INSURANCE CARRIER
PURE Insurance
PURE Insurance is a reciprocal insurance exchange focused on high-net-worth households, typically homes valued $1M and up. Membership-based service model with high-touch claims handling.
Personal Lines - Georgia
- File a claim 888-813-7873 · 24/7 phone (PURE direct)
- Online Account & claims portal
- After hoursFor claims, call 888-813-7873 directly.
Coverage Focus
What this carrier writes
Overview
About This Carrier
PURE (Privilege Underwriters Reciprocal Exchange) is a member-owned reciprocal insurance exchange founded in 2006 and headquartered in White Plains, NY. PURE writes personal home, auto, valuables, watercraft, fine art, jewelry, flood, and umbrella coverage exclusively for high-net-worth households, typically with home values of $1 million or more. Members share ownership of the exchange, which incentivizes loss-prevention behavior and long-term tenure. PURE is competitive with AIG and Chubb in the high-value home segment. For Olive Cover high-net-worth customers, AIG and Chubb are our comparable active comparison-set alternatives.
Strengths
What This Carrier Does Well
High-net-worth personal lines service model with dedicated adjusters and loss-prevention concierge services
Member-owned reciprocal structure creates aligned incentives between insurer and policyholder around loss prevention
Specialized appetite for scheduled fine art, jewelry, watercraft, equestrian, and high-value collectibles
Limitations to Know
Where They Fall Short
Membership-based structure means customers below the home-value threshold typically do not qualify
Premium pricing reflects service-tier positioning; not competitive for mass-market or standard preferred risks
Newer carrier (founded 2006) with shorter operating history than AIG or Chubb in the high-net-worth segment
Right Fit
Who They Are Best For
Best Fit For
Not a Good Fit For
Standard preferred or mass-market personal lines customers (Nationwide, Travelers, Safeco fit better), customers below the $1M home threshold typically do not qualify for PURE membership, and customers seeking lowest-cost pricing rather than service-tier positioning. A coverage review can confirm whether your household fits the PURE profile.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines - Georgia
- Coverage Types
- High-value homeowners, condo, automobile (including luxury and exotic), scheduled valuables and fine art, watercraft, flood, umbrella, and excess liability
- States Available
- All 50 states plus DC
- Max Business Revenue
- Refer to carrier overview for appetite
- Industry Classes
- Refer to carrier overview for industry positioning.
Pricing & Claims
What to Expect
Best Pricing For
Multi-line bundles (home plus auto plus umbrella plus valuables) with $1M-plus home values, clean loss history, and engaged use of loss-prevention services. PURE pricing is competitive at the high end but requires the home-value threshold.
Pricing Context
PURE personal lines pricing is positioned in the high-net-worth tier alongside AIG Private Client and Chubb. Not directly comparable to standard-market personal carriers. For Olive Cover high-net-worth customers, AIG and Chubb are the comparable carriers in our active comparison set.
Claims Experience
PURE handles claims in the high-net-worth segment with dedicated adjusters and concierge-level handling for complex losses involving fine art, collectibles, and high-value property.
Admitted Status: Admitted in Georgia for personal lines.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.