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Detailed PURE Insurance Review

Last modified: Sep 29, 2022

Overall Raiting: 8.2
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Financial Strength: A+
BBB Rating: A+
Coverages: 5/5
Flexibility: No customizable policies
Discounts: 4/5
Support: Phone, chat, email
User Ratings: fewer complaints
Pricing: Expensive

Are you looking for information on PURE insurance? Then, you are in the right place. This article will provide an in-depth review of PURE insurance and its services. We will also discuss its history, its customer service, and what sets them apart from other insurers.  

The methodology used to evaluate PURE's insurance policies is based on four criteria: availability, coverages, discounts, and pricing. So, whether you are considering purchasing a policy from PURE or just want to learn more about them, read on for a complete PURE insurance review!

About the Pure Insurance Company  

PURE Insurance is a members-only insurance company that was founded in 2006. They offer property and casualty coverage for high net worth homes, automobiles, jewelry, art collections, and more. 

Unfortunately, their services are only available through independent agents or brokers, so you will need a professional to purchase insurance from the PURE Insurance foundation.    

Coverages and Policies  

What Kind of Insurance Is PURE?

PURE offers both personal and commercial insurance policies. Their policies include homeowners, renters, automobile, boat, motorcycle, and pet insurance. For businesses, they offer general liability, property damage, product liability, and commercial automobile insurance.

PURE also has a unique program for high net worth individuals that provides coverage for homes valued at $500k or more. In addition, this policy includes special features like art restoration expenses and ransom payments.

How Does PURE Insurance Work?

PURE Insurance is a membership-based insurance company, which means that one of the PURE insurance requirements is that you must be sponsored by an existing member or qualify for membership based on your wealth and assets.  

Here are some of the services provided by the PURE insurance model:   

Homeowners Insurance

PURE home insurance offers homeowners insurance for primary and secondary homes. Coverage includes the home structure, personal property, loss of use, medical payments, and more.

Renters Insurance 

PURE offers renters insurance to protect your belongings in case of a fire, theft, or many other events. Coverage includes personal property, liability, and more.    

Auto Insurance

PURE also covers luxury vehicles, motorhomes, and antique/golf cart accidents. The firm stresses customer service with features like the PURE Member Advocate Program, which provides an extra set of hands to help you if anything happens while on your policy!   

All Member Advocates are fully licensed adjusters and can handle claims in addition to completing administrative tasks such as booking rental cars or finding mechanics nearby— they're just one call away at any time, day or night.          

Jewelry Insurance

If you have valuable jewelry that you want to insure, PURE has a unique policy just for you. The policy provides coverage for lost or stolen jewelry and damage from events like fires or floods.

Art Collection Insurance

If you have an art collection, PURE can provide you with a policy that covers its value. The policy includes coverage for theft and damage from events like fires or floods.  

Other Services

Risk Management  

When it comes to protecting your home, the best way is by preventing losses from happening in the first place. A PURE Risk Management Consultation can help you ensure that nothing will break or cause damage at any point during the installation of products throughout your properties and also recommend ways for making them safer.     

With many different options available when working with a member advocate, they will work hard, so not only do you get discounts but also premium service providers who know what they're doing.     

PURE Situation Room

When disaster strikes, the PURE Situation Room will alert you by email or phone call to offer resources and advice. If needed, they can also help keep your family safe by providing assistance from one of their member advocates.               

Discounts at PURE Insurance

PURE offers several homeowners discounts, including deals for living in a gated community and having burglar alarms. In addition, if you're hoping to save on your home insurance this year, installing impact-resistant roofing or windows may be an option worth considering!

How Much Does Pure Insurance Cost?

The pricing for PURE's policies varies depending on your risk factors and location. However, PURE is a high-end insurance company that only offers coverage for wealthy individuals. So, if you don't meet their criteria for membership, they will not offer any quotes or policies.      

How Does Pure Insurance Compare to Other Companies?

PURE is one of the few homeowners insurance providers in the world that specializes in providing coverage to high-net-worth individuals with homes valued over one million dollars or more.      

In addition, their policies come with extra perks like art restoration expenses. If this sounds like something you'd be interested in, we suggest requesting a quote by visiting their website today and looking at PURE Insurance reviews because not many companies can match their offers.  

How Much Is PURE Insurance for Homeowners?

The cost can vary depending on where you live. For example, in New York, you can expect to pay anywhere between $500 to $800 annually (depending on your deductible) for the PURE Homeowners Insurance coverage.          

But, of course, the higher your deductible amount, the lower the price point will be for premiums. This is because less money needs to be reimbursed by PURE if there were ever any claims made against them due to damage done from natural disasters or other circumstances covered under these policies, such as theft or fire-related incidents.

PURE Customer service

Does PURE Insurance Have Good Customer Service?

PURE offers 24/7 support and claims services via phone, PURE customer service email, or live chat. You can also manage your policy through their website using your PURE insurance login. Their website is user-friendly so it's not difficult to find what you're looking for. 

With PURE Insurance, you'll never have to worry about getting stuck without coverage again. With policies that offer higher-than-average limits for cars and homes as well as special privileges like roadside assistance dispatch services all from one company— it's no wonder this policy has won over many drivers!

The only thing better than having quality protection? Having peace of mind knowing your finances are protected too, with add-on coverage available at any time and 24/7 customer service help.

PURE Insurance Claims

How Do I File a Claim With PURE Insurance?

One thing worth mentioning in this PURE insurance review, is that if you need to file a claim with PURE, you can do so by calling their toll-free number, emailing them, or chatting with them online via the PURE insurance portal. They have a claims process designed to be as easy and quick as possible.

A claim process should be as easy and quick as possible for you, which is why licensed PURE claims adjusters will take care of everything. When you contact them on their PURE auto insurance claims phone number, they'll speak with you whenever needed— not through a call center rep like other companies do— to make sure they know all about what happened, so there are no surprises down the line! 

Your PURE Member Advocate has your back and will be there to help you through the whole process of filing a claim when you call the PURE insurance claims phone number. In addition, they can find temporary housing for when repairs are being done to make sure that everything goes smoothly by implementing their Loss Prevention Benefit.

Additionally, when you need help with an insurance claim because of a covered event like a natural disaster or theft, don't worry— PURE customer service ensures you will find the right person to take care of your situation as soon as possible. 

PURE Insurance Ratings/Customer Satisfaction

What Are the Customer Satisfaction Ratings for PURE Insurance?

PURE insurance has an A+ rating from the Better Business Bureau (BBB), and they have been accredited with the BBB since 2007. They also have a five-star rating on Google Reviews, based on over 300 reviews. Customers love that PURE is an honest company that doesn't try to sell them the coverage they don't need, and the claims process is simple and easy to navigate.

The company also boasts its PURE Insurance AM Best rating 2020 and its reputation for offering top-of-the-line products and services. They also happen to be one of few agencies with a super-strong A+ rating from AM Best, which indicates their financial stability if anything goes wrong.

In addition, they have fewer than average complaints filed against them within NAIC. The iOS app also received three out of five stars on the App Store, showing how happy customers have been after purchasing insurance through this provider.

How Does PURE Insurance Compare to Other Companies?

PURE is often compared to Amica Mutual Insurance Company, a mutual company that offers similar services. Both companies receive high marks for their customer service, claim processing, and overall value.

Comparing Rates for Homeowners Insurance

When looking for homeowners insurance, it's essential to compare rates from different companies. You can use an online tool like the one on the PURE website to get quotes from multiple insurers at once. This will help you find the best coverage and price point for your needs.

As previously mentioned, PURE offers competitive rates for homeowners insurance policies, and their customer service is top-notch. They have received high marks from customers for their honesty and transparency, as well as their easy-to-use website and quick claims process. 

PURE Insurance vs. Competitors

PURE Insurance is the leading provider of high-value home, auto, and umbrella coverage for successful individuals and families. It's known that PURE has many competitors in the market. Still, when it comes down to best service, PURE insurance ratings stand out from its peers by providing exceptional customer support with a quick response time.

The company also maintains strong relationships through social media, making them easily reachable while keeping up with new trends.


  • Excellent customer service with quick response time during the claims process.
  • Strong relationships through social media that attract more clients.
  • The website offers easy access to all customers via chat feature and email.
  • Higher rates than some competitors.
  • Might not have the coverage options you need.
  • Expensive car insurance— costs over $4k and caters to luxury vehicles only. If this sounds like something that would interest you, then do some more research into alternatives before deciding what kind or level of protection is necessary.

Overall, most PURE insurance company reviews articulate a good choice for homeowners insurance. They offer competitive rates, excellent customer service, and a hassle-free claims process. You can't go wrong choosing PURE as your insurer!


How Can I Get a Quote From PURE Insurance?

You can get a quote from PURE Insurance by visiting their website and using their online tool. You can also call them at 800-388-4723 to speak with a representative. 

How Long Does It Take to Process a Claim With PURE?

Claims processing time varies depending on the type of claim and the severity of the damage. However, PURE claims adjusters are known for having a quick response time.

What Documents Do I Need to File a Claim With PURE Insurance?

You will need to provide your policy number, the date of the incident, and a description of the damage. You may also be asked to provide receipts or proof of ownership for damaged items.

What to Look For in a Suitable Home Insurance Company?

Not all companies will have the same policies and prices, so you must do your research before deciding which company would be best for you and your family. A great home insurance company will offer competitive rates. They should also have a reputation for being responsive during emergencies, and having good customer service overall.

What to Look For in a Suitable Automobile Insurance Company?

When looking for an automobile insurance company, you'll want to consider things like the company's reputation, how easy it is to file a claim, and whether or not they offer discounts. 

You should also ask friends and family for recommendations! Not all automobile insurance companies are the same, and you'll want to make sure you're getting the best coverage for your needs at the best price.

What Is Umbrella Insurance?

Umbrella insurance is supplemental liability coverage that provides extra protection in case of a lawsuit. For example, it can be used to protect your assets if you are found liable for damages exceeding your policy limit.

Why Would I Need Umbrella Insurance?

If you have many assets or live in a high-risk area, umbrella insurance may be a wise investment for you. It can provide peace of mind in case of an unexpected accident or lawsuit.

How Much Does Umbrella Insurance Cost?

The cost of umbrella insurance varies depending on the amount of coverage you purchase, your age, and the state you live in. However, it is typically very affordable.

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