Privilege Underwriters Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Privilege Underwriters Insurance Company.

Privilege Underwriters Reciprocal Exchange (PURE) Insurance Company at a Glance

  • Founded in 2006
  • Offers multiple types of insurance
  • Offers personal coverages
  • Rated "A+" (superior) by AM Best
  • Rated "B-" by the Better Business Bureau (BBB)
  • 24/7 claims reporting

PURE Pros: High rating by AM Best. Offers several forms of personal coverages. Offers extended customer service hours. Offers 24/7 claims reporting. Good customer feedback.

PURE Cons: Not BBB accredited. Discount information not provided. 

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What Type of Insurance Does PURE Offer?

Here's a list of the coverages offered by PURE:

  • Home insurance
  • Auto insurance
  • Umbrella insurance
  • Jewelry, art, and collectibles insurance
  • Fraud and cyber defense insurance
  • Watercraft insurance
  • Flood insurance
  • Condo and co-op insurance

Your independent insurance agent can help you find more information about the coverages offered by PURE and help you decide if this insurance company is right for you.

What to Know about Privilege Underwriters Reciprocal Exchange

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 home owners, watercraft owners, jewelry owners, and much more.

PURE's LinkedIn network shows a total of nearly 900 employees. The carrier is headquartered in White Plains, NY. PURE is a member-owned insurance company. 

Thanks to their sizable catalog of insurance products, PURE has earned a reputation as a financially sound insurance company. AM Best gives PURE an overall “A+” rating, indicating the carrier is a superior choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does PURE 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 Customer Service

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

  • 24/7 claims reporting
  • Phone
  • Email
  • Snail mail

Days Hours (EST)

Monday-Friday 7 am - 9 pm

Saturday 8 am - 8 pm


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.


What is PURE's average claim response time frame?

PURE does not make a specific claims response time frame promise.

What is PURE's customer service availability?

PURE is available with extended hours by phone, Monday-Saturday. The carrier is also available via email or snail mail.

What is PURE's claims process?

PURE does not break down their claims process step by step, but the carrier does offer 24/7 claims reporting via email or phone. An independent insurance agent can also simplify the process further by filing claims for you.

Does PURE create a user-friendly experience for customers?

PURE's website is highly intuitive and easy to navigate, creating a very user-friendly experience for customers. 

Does PURE have good homeowners insurance?

PURE's homeowners insurance provides all the standard coverages you'd expect, plus a few important bonuses, including:

  • Sewer and drain backup coverage
  • Jewelry coverage
  • Guaranteed home replacement cost coverage
  • Flexible deductibles
  • Deductible waiver options

An independent insurance agent can help you decide if PURE's homeowners insurance is a good fit for your coverage needs.

Is PURE a good insurance company?

PURE has an excellent website, generous customer service contact hours, and several forms of personal lines coverage available. The carrier is also highly rated by AM Best. Overall, PURE can certainly be considered a good insurance company.

PURE Customer Reviews

5 Stars
PURE is the best. Clear communications, quick repairs and hassle-free experience. Never a doubt about the process and the expected result.

5 Stars
Pure exceeds in customer service. We have our home insurance with Pure also. A+ in both auto & home.

5 Stars
Exceptional customer service. Received timely correspondence on the status of the claim and the respective agents kept in touch with me on a regular basis. They let me know the current status and the steps yet to go. It was very troubling to have so much damage due to the freeze. I had no idea how much damage water could do. That said, I really appreciate the fact that they suggested utilization of the Flo by Moen and provided support to install this item. This will certainly prevent this from happening in the future. It is a great company that will move to help you stay safe and have no claims.

5 Stars
PURE goes beyond what normal insurance companies do to provide transparency and to offer me means to make my life safer. As a home owner in the northeast, the weather has been quite a bit unpredictable to say the least. Each time the wind is about to blow hard, PURE reaches out to ensure I have what I need to be safe. Additionally, their proactive risk management advice is amazing including their new tools to aid in the shopping experience for a new home. The company in general you can tell cares not just about me paying my premium, but that I am getting value in this relationship outside of when/if I have a claim.

5 Stars
Covered our loss because the car that hit us had very minimal insurance. They paid the entire cost of my car.'s Final Review

4.5/5 stars

We award PURE Insurance a final rating of 4.5 out of 5 stars. The carrier has an excellent rating by AM Best and offers several forms of personal lines coverage. Customer feedback also seems to be mainly positive.

We're also 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 highly recommend working together with an independent insurance agent to look into PURE to be your next trusted insurance company.

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