888.813.7873 Monday–Friday: 7AM–9PM ET Saturday: 8AM–8PM ET High Value Home Insurance A unique insurance solution for your luxury home. Your home is extraordinary, with custom and unique features, so you need a Homeowners policy that is just as specialized. Our high value home insurance policy offers the flexibility to tailor your coverage to meet your needs, including customized options for contents, other structures and additional living expenses. If your home is valued at $1 million or more, PURE might be right for you. Replace, Rebuild or Receive a Cash Settlement. If a fire or other event destroys your home, you may wish to rebuild it, or you may not. With PURE’s high value Homeowners insurance, you have the option to either rebuild your home or receive a cash settlement. It’s that simple; you decide. Guaranteed Replacement Cost. We know that estimating the cost to rebuild your home isn’t an exact science. PURE’s Guaranteed Replacement Cost provides peace of mind in knowing that your home can be rebuilt in like kind and quality, even when the actual cost to do so exceeds your coverage limits.1 Ample Jewelry Protection. While a dedicated insurance policy for your jewelry helps to ensure that your pieces are protected, we understand that some items may not be included on your schedule. PURE's high value Homeowners policy affords coverage up to $50,000 for jewelry that is lost, misplaced or stolen, helping you better protect your valuables and avoid costly out-of-pocket expenses.2 Broad Coverage for Sewer and Drain Backups. If a sewer backs up and causes drains or toilets to overflow, we will pay to clean up the damage and replace or rebuild damaged property—regardless of whether it’s an interior or exterior drain. Comprehensive Risk Prevention for Your Luxury Home. The best way to protect a home is to prevent losses from ever happening in the first place. PURE Risk Managers recommend ways to make your home safer and take advantage of premium discounts. A PURE Member Advocate® can help implement those recommendations, from vendor selection to appointment scheduling. And if a loss does occur, we want to help reduce the likelihood of it happening again, so we offer up to $2,500 through our Loss Prevention Benefit for covered losses greater than $10,000. Thanks to a low cost of capital, careful member selection and proactive risk management, members report an average annual savings of more than 20% on their Homeowners insurance when switching to PURE.3 Learn how you can benefit and save with a PURE Homeowners policy. REQUEST A PROPOSAL Learn more about homeowners coverage 1. Coverage not available in all states 2. Up to $25,000 for any single item. 3. Average annual savings for homeowners nationwide who reported prior carrier premiums from April ’19 to April ‘20. A Family Tradition A fire originated in a PURE member’s basement and quickly spread throughout the home, causing extensive damage. The loss was reported to PURE, and her PURE Member Advocate® reached out to arrange temporary housing for the family and members of their household staff. Along with many other valued possessions, the member’s treasured collection of rare heirloom holiday ornaments had been destroyed. Placing and enjoying these decorations had always been an important part of her family’s holiday traditions, and she was devastated. Over the course of five months, her Member Advocate researched, located and arranged for the purchase of replacement pieces to rebuild the collection in time for the next holiday season. FOR MEMBERS FOR POTENTIAL MEMBERS FOR BROKERS ABOUT US COVERAGES SERVICES CONTACT US CONTACT US AGREEMENTS LEGAL NOTICES PRIVACY POLICY SITEMAP *Based on the rate per million dollars of Personal Excess Liability coverage, for limits greater than $10 million, as filed by other high net worth carriers. PURE Insurance is the marketing name used to refer to Privilege Underwriters Reciprocal Exchange (PURE), a Florida domiciled reciprocal insurer, as well as other entities in the PURE Group of Insurance Companies. This material is descriptive only. The precise coverage offered is subject to the terms and conditions of the policies issued. Coverage may not be available in all jurisdictions. Average annual savings on homeowners insurance for members nationwide who reported prior carrier premiums from Aug 2018 through Aug 2019. Actual savings, if any, may vary. Referral rate based on 2018 Bain study and 2017 PURE annual member survey. While future SSA allocations are not guaranteed, PURE has made an allocation in each of the past six consecutive years. Please see our legal notices for terms of service relating to intellectual property, copyright and trademarks. Copyright © 2021 PURE Risk Management, LLC. All Rights Reserved. Important Cookie Policy Information PURE uses cookies to make our website easier to use and deliver relevant ads to prospective members. These cookies are small text files that contain a string of alphanumeric characters. They are generated and stored on a user’s computer when an Internet browser (i.e. Chrome or Firefox) visits the PURE website or views one of PURE’s online ads. These cookies do not collect any personally identifiable information. For more information about our cookie usage, please click here. By using this site, you agree that we can place these types of cookies on your device. 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