Pure Insurance

PURE Insurance, officially known as Privilege Underwriters Reciprocal Exchange, is a member-owned property and casualty insurer established in 2006. Headquartered in White Plains, New York, PURE specializes in providing comprehensive insurance solutions tailored for high-net-worth individuals and families across the United States.

Comprehensive Coverage Offerings

PURE offers a diverse range of insurance products designed to protect the unique assets and lifestyles of its members:

• Homeowners Insurance: Specifically crafted for luxury homes, ensuring coverage that reflects their true value.
• Automobile Insurance: Covers luxury vehicles, golf carts, and more, providing protection for a wide array of automobiles.
• Jewelry, Art & Collections: Offers the standard of protection that valuable items deserve, safeguarding collections against various risks.
• Personal Excess Liability: Protects the legacy members have worked hard to build, offering additional liability coverage beyond standard policies.
• Fraud & Cyber Insurance: Provides protection against both online and offline fraud, addressing the growing concerns of cyber threats.
• Watercraft Insurance: Covers vessels and the valuables within them, ensuring comprehensive protection for watercraft owners.
• Condo & Co-op Insurance: Addresses the unique risks associated with city homes, offering tailored coverage for condominium and cooperative owners.
• Home Systems Protection: Covers the mechanical and electrical systems in homes, ensuring that essential home systems are protected.
• Flood Insurance: Provides coverage for unexpected flood events, safeguarding properties from water damage.

By focusing exclusively on the high-net-worth segment and welcoming only highly responsible members, PURE can offer more generous coverage and fair pricing.

Member-Centric Services

PURE's commitment to its members extends beyond traditional insurance coverage, offering a suite of services designed to enhance the overall experience:

• PURE Member Advocates®: Membership comes with a concierge service, providing personalized assistance to address members' needs.
• PURE Situation Room®: An always-on resource that keeps members informed about severe weather and other risks, ensuring they are prepared for potential threats.
• Risk Management & Loss Prevention: Aims to make members more resilient by offering guidance and resources to prevent losses before they occur.
• Claims: Provides caring and compassionate service designed to exceed expectations, ensuring a smooth and supportive claims process.
• PURE Art Services: Offers comprehensive art management services, including curating and caring for valuable collections with confidence.
• PURE Home Spotlight®: Helps members learn about a home's hidden risks before they buy it, providing insights to make informed decisions.
• Wildfire Mitigation Program: Protects properties from wildfire threats, offering strategies and resources to minimize risk.

These services are designed to minimize the demands of insurance on members, allowing them to focus on what matters most.

Financial Strength and Stability

PURE's financial strength is a testament to its stability and reliability. The company is rated A (Excellent) by A.M. Best, reflecting a strong balance sheet, good operating performance, and very strong enterprise risk management.

Additionally, the support of Tokio Marine, one of the world's largest and most respected insurers, provides added strength and flexibility, enabling PURE to continue its purpose-driven mission with greater confidence.

Locations

PURE operates across multiple locations in the United States, including:

• Lawton, OK, USA
• White Plains, New York
• Scottsdale, Arizona
• Charleston, South Carolina
• New York, New York
• Chicago, Illinois
• San Francisco, California
• San Diego, California
• Fort Lauderdale, Florida
• Roswell, Georgia
• Basking Ridge, New Jersey

These locations enable PURE to serve its members effectively across the country, providing personalized service and support tailored to the unique needs of high-net-worth individuals and families.

In summary, PURE Insurance stands out in the property and casualty insurance industry by offering specialized coverage and services tailored for high-net-worth individuals and families. Its member-centric approach, comprehensive offerings, and strong financial foundation make it a trusted partner for those seeking to protect their most valuable assets.