Privilege Underwriters Insurance Company Review 2025

Trusted Choice's Privilege Underwriters Reciprocal Exchange (PURE) Insurance Score

3.5 Stars

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We award PURE Insurance a final rating of 3.5 out of 5 stars. The carrier has an excellent rating by AM Best and offers several forms of personal lines coverage. However, the insurance company has a poor Better Business Bureau (BBB) rating and is not accredited by the organization.

Founded in 2006, Privilege Underwriters Reciprocal Exchange, or PURE, has been in the insurance industry for more than 15 years. The insurance company specializes in several types of personal lines coverage. PURE writes insurance for luxury homeowners, watercraft owners, jewelry owners, and much more. The carrier is headquartered in White Plains, NY. PURE is a member-owned insurance company.

We're impressed that PURE takes the time to respond to every customer review. The carrier's website is easy to navigate and offers extended customer service contact hours through Saturday. Overall, we recommend working with an independent insurance agent to look into PURE to be your next trusted insurance company.

PURE Insurance Pros and Cons:

Pros:	Cons:
Offers multiple types of personal insurance	Poor rating by the BBB
Offers personal coverage for luxury homes and vehicles	Not BBB-accredited
Some coverage is available nationwide	No discount information available
Rated "A+" (superior) by AM Best
24/7 claims reporting

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PURE Insurance Products by Type

PURE offers a variety of coverages for individuals. Here's a list of the coverages offered by PURE:

PURE Insurance High-Value Homeowners Insurance

PURE's high-value homeowners insurance policies are specifically designed for luxury homes and estates. The carrier's policies offer the option to receive a cash settlement after a total loss if the homeowner does not want to rebuild. Other coverage features are as follows.

Coverage types, features, and benefits:

Guaranteed home replacement cost

PURE's guaranteed home replacement cost coverage will provide enough reimbursement to rebuild a covered total loss home to its original standard, even if this exceeds the policy's limit.

Jewelry

Coverage of $50,000 for jewelry is included in PURE's high-value home insurance policies. This coverage can reimburse you for jewelry that's lost, misplaced, or stolen.

Sewer and drain backup

PURE's high-value home insurance policies also include coverage for sewer and drain backups that cause overflows or flooding within the home.

PURE Insurance High-Value Homeowners Insurance Average Prices

The current national average price for a high-value homeowners insurance policy with $750,000 in dwelling coverage is $4,549 annually. A policy with the same amount of coverage from PURE is $4,522 per year, making the carrier's coverage slightly below average. 

Here are some average prices for PURE's high-value home insurance policies by dwelling coverage amount.

PURE Average Home Insurance Prices by Dwelling Coverage Amount

PURE's coverage is designed for luxury homes, so its rates are considerably more expensive than the national average in each category of lower dwelling coverage. Not all homes are eligible for PURE's high-value home insurance coverage, and coverage is not available in every state.

PURE Insurance Luxury Car Insurance

PURE's luxury car insurance policies come with standard coverage options, including liability. Coverage for 24/7 towing is included, but customers have the option to add uninsured and underinsured motorist coverage and roadside assistance. 

PURE will also pay the vehicle's agreed value with no deductible if it's declared a covered total loss. Additional coverage options are outlined below.

Coverage types, features, and benefits:

Original equipment manufacturer (OEM) parts 

PURE's optional coverage pays to repair your vehicle with OEM parts rather than aftermarket.

Worldwide rental vehicles

PURE's worldwide flexible rental coverage will pay for a rental car with property and damage liability coverage for up to 90 days. The carrier can even arrange to have a rental car brought directly to a customer while theirs is in the shop.

Additional transportation expenses

PURE will reimburse customers for hotels, meals, and additional expenses if their vehicles break down more than 50 miles away from home.

PURE Insurance Luxury Car Insurance Average Prices

PURE does not provide average pricing information for its luxury car insurance policies. Interested customers can request a quote through the carrier's website or work with an independent insurance agent. You can also get a better idea of how much car insurance might cost you by checking out our car insurance calculator.

What Discounts Does PURE Insurance Offer?

PURE does not make information about its specific discounts readily available. However, an independent insurance agent can help you find these details. Independent insurance agents work hard to find you the right coverage at the most affordable price.

PURE Insurance Customer Service

Here's a breakdown of PURE's customer service options and availability:

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

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