Pure Insurance Review & Ratings (2023)
This Pure Insurance Review will cover Pure Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Pure Insurance A.M. Best rating is A-. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Mar 1, 2023
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Car insurance is an essential part of owning a vehicle. It not only provides financial protection in case of an accident or damage to your car but also ensures compliance with state laws. When it comes to choosing an auto insurance provider, it’s important to consider factors such as coverage options, cost, and customer service.
Pure Insurance is a top-tier insurance company that offers high-quality car insurance coverage for discerning customers.
- Pure Insurance offers exclusive and customizable policies designed for high net worth individuals with unique insurance needs
- The company has a strong focus on risk management and offers complimentary risk assessments and consultations to help customers reduce their exposure to risks
- Pure Insurance is known for its exceptional customer service, with a team of dedicated and experienced professionals who provide personalized support and advocacy to customers
Pure Insurance History
Pure Insurance was founded in 2006 by Ross Buchmueller, who saw an opportunity to provide high-end insurance coverage to high net worth individuals with unique insurance needs.
The company’s original name was “Privilege Underwriters Reciprocal Exchange,” or PURE for short, and it was structured as a reciprocal insurance exchange, which means that policyholders are also owners of the company.
PURE started out by providing insurance coverage for high-value homes, but it quickly expanded to include other types of insurance, including car insurance, yacht insurance, and personal excess liability insurance. Today, PURE is a leading provider of high-end insurance solutions, with a reputation for delivering exceptional coverage, service, and support to its customers.
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Pure Insurance Mission
The company’s mission is to provide high-value insurance coverage with a focus on personalized service and risk management. PURE’s goal is to exceed customer expectations by delivering exceptional insurance solutions that meet their unique needs.
The company achieves this mission by providing a range of customizable insurance policies, personalized risk assessments and consultations, and exceptional customer service from a team of experienced professionals.
PURE also has a strong focus on risk management, helping its customers identify and reduce their exposure to risks through proactive measures and education. Overall, PURE’s history and mission reflect its commitment to delivering exceptional insurance solutions and service to its customers.
Pure Insurance Products and Services
Pure Insurance offers a range of insurance products and services, including:
- High-value home insurance: Pure Insurance specializes in providing coverage for high-value homes, including custom-built homes, historic homes, and luxury estates. Their coverage includes property damage, personal liability, and other unique coverages tailored to the needs of high net worth individuals.
- Car insurance: Pure Insurance also offers car insurance coverage for high-value vehicles, including liability, collision, and comprehensive coverage, as well as roadside assistance and rental car reimbursement.
- Personal excess liability insurance: Pure Insurance offers personal excess liability insurance to protect high net worth individuals from the financial risks associated with liability claims that exceed their primary insurance coverage.
- Jewelry and fine art insurance: Pure Insurance also provides insurance coverage for valuable possessions, such as jewelry and fine art.
- Watercraft insurance: Pure Insurance offers coverage for boats and yachts, including liability, collision, and comprehensive coverage.
- Flood insurance: Pure Insurance offers flood insurance coverage for high-value homes and possessions located in flood-prone areas.
Overall, Pure Insurance’s products and services are designed to meet the unique needs of high net worth individuals who require personalized and customized insurance solutions. Pure Insurance offers high-quality insurance coverage with competitive pricing, personalized risk assessments, and exceptional customer service.
Pure Insurance Cost
The cost of insurance through Pure varies depending on the type of coverage, coverage limits, and the individual’s specific needs and circumstances. Because Pure Insurance specializes in providing coverage for high-value homes, cars, and other possessions, their premiums tend to be higher than those of traditional insurance providers.
For example, Pure’s car insurance premiums typically start at around $2,000 per year for basic liability coverage, and can range up to tens of thousands of dollars per year for high-value vehicles with comprehensive coverage.
Similarly, Pure’s high-value home insurance premiums can range from a few thousand dollars to tens of thousands of dollars per year, depending on the value of the home and the amount of coverage needed.
It’s important to note that Pure Insurance does not provide online quotes or pricing information. Instead, the company works with independent insurance agents to provide customized insurance solutions tailored to the individual’s specific needs and circumstances.
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Discounts Offered by Pure Insurance
Pure Insurance offers several discounts to its customers. Some of the discounts available to policyholders include:
- Bundling discount: Customers who bundle their home and auto insurance policies with Pure Insurance can qualify for a discount on their premiums.
- Claims-free discount: Customers who maintain a claims-free record over a specified period of time can qualify for a discount on their premiums.
- Protective devices discount: Customers who install protective devices, such as fire alarms, burglar alarms, and water detection devices, in their homes can qualify for a discount on their homeowners insurance premiums.
- Green home discount: Customers who build or renovate their homes to meet certain green standards can qualify for a discount on their homeowners insurance premiums.
- Loyalty discount: Customers who have been with Pure Insurance for a specified period of time can qualify for a discount on their premiums.
- New home discount: Customers who purchase a new home can qualify for a discount on their homeowners insurance premiums.
It’s important to note that the availability and amount of discounts vary depending on the state and the specific insurance policy. Customers should contact their independent insurance agent who works with Pure Insurance to learn more about the discounts available to them and how to qualify for them.
States Where Pure Insurance is Offered
Pure Insurance car insurance is licensed to operate in most U.S. states. Pure Insurance is currently available in Arizona, California, Colorado, Florida, Georgia, Illinois, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.
It’s important to note that the availability of insurance products and services may vary by state, and not all products and services may be available in all states. Customers should contact their independent insurance agent who works with Pure Insurance to learn more about the specific products and services available in their state.
Customer Reviews of Pure Insurance
Pure Insurance has generally received positive customer reviews for its high-value insurance products and personalized service. According to J.D. Power’s most recent U.S. Property Claims Satisfaction Study, Pure Insurance ranked #1 in overall customer satisfaction for high-net-worth property insurance customers.
While most of the reviews of Pure Insurance are positive, some customers have raised concerns about the high premiums charged by the company, as well as the limited availability of insurance products and services in certain states. However, many customers have noted that the company’s high premiums are justified by the quality of coverage and personalized service provided by Pure Insurance.
Overall, Pure Insurance has received high marks from customers for its personalized service, high-value insurance products, and excellent claims handling. Customers interested in obtaining insurance coverage from Pure Insurance should contact an independent insurance agent who works with the company to learn more about the specific products and services available in their state.
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In Summary: Pure Insurance
Pure Insurance is a high-end insurance provider that offers coverage for high-value homes, automobiles, jewelry, and more. They are committed to providing personalized service to their customers and are highly rated for their excellent claims handling and customer support. The company’s mission is to provide peace of mind and protection to their customers through customized insurance solutions and exceptional service.
Pure Insurance offers a range of insurance products and services, including home, automobile, and liability insurance, as well as coverage for valuable items such as jewelry and fine art. They also offer discounts for bundling policies, maintaining a claims-free record, installing protective devices, and meeting green home standards, among others.
While their premiums may be higher than some other insurance providers, customers report that the quality of coverage and personalized service provided by Pure Insurance make it well worth the investment.
Overall, Pure Insurance is an excellent choice for high-net-worth individuals looking for high-value insurance coverage and personalized service. The company has received high ratings from customers for its claims handling, customer support, and customized insurance solutions.
With a strong focus on risk management and personalized service, Pure Insurance is an excellent choice for those who value quality and peace of mind when it comes to protecting their vehicles.