INSURANCE CARRIER
PURE Insurance
PURE (Privilege Underwriters Reciprocal Exchange) is a member-owned reciprocal insurance exchange founded in 2006 and headquartered in White Plains, NY.
Personal Lines
- File a claim 888-813-7873 · 24/7 phone (PURE direct)
- Online Account & claims portal
- After hoursFor claims, call 888-813-7873 directly.
A note on availability: We are not currently placing new business with this carrier in Alabama. A free coverage review can confirm which carriers we can place coverage with for your situation.
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. Members share ownership of the exchange, which incentivizes loss-prevention behavior and long-term tenure.
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
Right Fit
Who They Are Best For
Best Fit For
High-net-worth households with high-value homes, multiple luxury, exotic, or classic vehicles, scheduled jewelry, art, wine, or collectibles, multiple residences across states, and customers who value loss-prevention services and high-touch claims handling.
Not a Good Fit For
A coverage review can confirm whether your household fits the PURE profile.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- High-value homeowners, condo, automobile (including luxury and exotic), scheduled valuables and fine art, watercraft, flood, umbrella, and excess liability
- Carrier's Licensed States
- 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
PURE pricing is competitive at the high end but requires the home-value threshold.
Pricing Context
Not directly comparable to standard-market personal carriers.
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 carrier 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.
Admitted Status: Admitted carrier 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.
Quick Facts