Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. His investment experience includes oversight of a $4 billion portfolio for an insurance group. Varied finance and accounting work includes the preparation of financial statements and budgets, the development of multiyear financial forecasts, credit analyses, and the evaluation of capital budgeting proposals.
In a consulting capacity, he has assisted individuals and businesses of all sizes with accounting, financial planning and investing matters; lent his financial expertise to a few well-known websites; and tutored students via a few virtual forums.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. His investment experience includes oversight of a $4 billion portfolio for an insurance group. Varied finance and accounting work includes the preparation of financial statements and budgets, the development of multiyear financial forecasts, credit analyses, and the evaluation of capital budgeting proposals.
In a consulting capacity, he has assisted individuals and businesses of all sizes with accounting, financial planning and investing matters; lent his financial expertise to a few well-known websites; and tutored students via a few virtual forums.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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At a glance
4.1
Rating: 4.1 stars out of 5
Bankrate Score
Score breakdown
Home
Rating: 4.1 stars out of 5
4.1
Cost & ratings
Rating: 3.75 stars out of 5
3.8
Coverage
Rating: 4.33 stars out of 5
4.3
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders with high-value cars and homes who don't mind paying extra for the highest-quality coverage might consider PURE as their company of choice.
PURE offers a unique agreed value feature for total vehicle loss, meaning you're paid a pre-decided amount with no deductible, ensuring full vehicle value compensation.
Repairs under PURE policies use original equipment manufacturer parts, ensuring your luxury vehicle maintains its integrity and value after servicing.
PURE provides extensive coverage for rentals or borrowed vehicles globally, ensuring property and liability protection alongside convenient rental arrangements during vehicle repairs.
PURE offers guaranteed home replacement so your luxury home can be rebuilt to its original standards without worrying about coverage limits.
Home
Avg. annual premium for $300k dwelling coverage
$5,136
New
What’s new with PURE?
On Feb. 27, 2024, PURE Programs launched a new insurance solution for high-value homes undergoing construction or renovation, catering to projects valued up to $30 million. This customizable program addresses the unique challenges and risks associated with luxury property construction, including those in areas prone to extreme weather. It offers comprehensive coverage from the project's start to completion, with the support of a Resilient Home Advisor to ensure optimal protection throughout the construction process.
In September 2024, PURE Insurance expanded its coverage into Canada, launching a Toronto-based office. PURE plans to insure Canadian homeowners with property values of at least $2 million, although coverage is limited to Ontario. This marks the company’s first international expansion. PURE plans to offer auto insurance and expand into other provinces in the future.
In February 2025, PURE announced the expansion of its LeakBot program to include Indiana, North Carolina, New Jersey, Ohio, Pennsylvania and Washington. This program provides homeowners with a sensor that can be attached to the home's main water supply to detect hidden leaks before they lead to pricey claims. The sensors are provided at no cost to the homeowner.
PURE car insurance review
PURE car insurance is available throughout the U.S., and is focused on drivers with a high net worth who may have luxury or classic vehicles as well as standard cars or trucks — even golf carts. With a focus on superior customer service for its policyholders, PURE could be one of the best auto insurance companies for a certain subset of drivers.
PURE offers standard coverage choices including liability, collision, comprehensive and uninsured motorist coverage. There are also some notable extras, including worldwide rentals, original equipment manufacturer (OEM) parts and no deductible if your car is hit by an uninsured driver. The company offers 24/7 towing and optional roadside assistance as well, along with a dedicated member advocate who will work with you to ensure that your insurance experience is efficient.
Pros and cons of PURE car insurance
PURE could be a good choice for some clients, but it’s not likely to be the best option for everyone. If you’re in the process of getting car insurance quotes and comparing companies, here are some of the pros and cons of PURE car insurance:
Pros
Unique coverage options tailored to high-net-worth individuals
Member Advocates service provides additional support during claims
Local agents available
Cons
No online quotes
Qualifications for coverage may be based on net worth
Not rated by J.D. Power for customer or claims satisfaction
PURE car insurance cost
Average rates are unavailable for PURE car insurance. To find out how much you might pay for PURE auto coverage, you’ll need to contact the company for a quote. For comparison purposes, the average cost of car insurance in the U.S. is $2,680 per year for full coverage and $802 per year for minimum coverage. PURE insurance premiums are likely to be somewhat higher since the company focuses on insuring high-value vehicles and offering high-quality coverage.
PURE customer satisfaction
When shopping for home insurance, you may want to review third-party rating information for the companies you are considering. AM Best rates companies for financial strength, which reflects their historical ability to pay claims. PURE has an A (Excellent) rating from AM Best, just two levels below the highest rating level of A++.
J.D. Power is a consumer data analytics company that reviews insurers across a range of metrics. Likely because PURE’s target customers are such a specialized group, it wasn’t rated in J.D. Power’s customer satisfaction survey or claims satisfaction survey for auto insurance.
PURE auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) calculates complaint indexes for each insurer based on grievances filed by consumers. The industry average is 1.00. Anything above that indicates a higher-than-average number of complaints, while anything below 1.00 means the company has fewer complaints than average.
PURE has consistently received a score of 0.00 on its private passenger (personal auto) insurance product. This indicates that the NAIC received no complaints against the company in the past three years. This suggests that the company's high-worth policyholders are very satisfied with the level of customer service they receive from PURE.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from -0.5 to 0.5.
End of interactive chart.
PURE car insurance discounts
If you’re looking for ways to save on your car insurance, discounts could be one of the easiest options. Most car insurance companies offer at least a few discounts that may be easy to qualify for, and PURE is no exception. However, PURE only highlights a few discounts on its website.
These include:
Insuring more than one vehicle
Insuring a child who attends college without taking a vehicle
Limiting the time spent driving your collector car
More savings opportunities may be available, but you’ll need to speak directly with PURE to find out what discounts you qualify for.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with PURE
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
PURE home insurance review
PURE home insurance coverage could be a good choice for those with homes valued at $1 million or more. For homeowners with a high net worth, searching for the best home insurance may be a bit more complicated. Shopping around and comparing home insurance quotes could be helpful, but high-value homes often have unique features that require specialized coverage.
PURE understands this and strives to provide home insurance options that can be customized. The company offers flexible rebuilding options so that you can choose whether to rebuild your home or receive a cash settlement in the event of a covered loss. PURE also offers guaranteed home replacement cost, jewelry coverage, broad coverage for sewer and drain backups, flexible deductible options and coverage to help you prevent losses that have previously occurred.
Pros and cons of PURE homeowners insurance
Understanding a company’s perks and drawbacks could be a good way to get a holistic view of what your experience with that insurer may look like. These are some of the pros and cons of PURE home insurance that Bankrate found noteworthy:
Pros
Policies are specifically built with high-value homes in mind
Policies include many standard coverage types that are often optional with other carriers
Member Advocacy services may help you prevent or minimize damage and recovery after a claim
Cons
Homes under $1 million may not qualify for coverage
Not rated by J.D. Power for customer or claims satisfaction
Quotes are only available by phone or with a local agent
PURE home insurance cost
Since PURE home insurance is specifically designed to cover luxury homes, it’s no surprise that its average premiums are higher than the national average cost of home insurance. PURE’s average rate is $5,136 per year for a policy with $300,000 in dwelling coverage, while nationally, home insurance costs $2,341 for the same coverage. For a higher-value home with $750,000 in dwelling coverage, PURE’s average rate is $6,419 per year, compared to the national average of $4,461 per year. Keep in mind that these rates are for guidance and comparison purposes only. Not all homes will qualify for PURE coverage.
$150K dwelling
PURE average premium
$4,956
National average premium
$1,445
$300K dwelling
PURE average premium
$5,136
National average premium
$2,341
$350K dwelling
PURE average premium
$5,350
National average premium
$2,614
$450K dwelling
PURE average premium
$5,794
National average premium
$3,158
$750K dwelling
PURE average premium
$6,419
National average premium
$4,461
*All rates displayed are average annual rates.
Compare PURE homeowners insurance rates
Homeowners insurance rates differ from one company to another, depending on factors like the value of the home, coverage selections and the insurer's risk assessment. PURE, known for insuring high-value properties and offering comprehensive coverage tailored to high-net-worth individuals, tends to have higher rates than the national average and many other major insurers. This reflects PURE's specialized services and coverage options designed to meet the unique needs of luxury homeowners.
When evaluating home insurance options, reviewing third-party ratings can offer valuable insights. AM Best assesses financial strength, indicating an insurer's capacity to fulfill claims, with PURE securing an A (Excellent) rating. However, PURE hasn't been evaluated by J.D. Power, possibly due to its niche market of high-net-worth individuals, focusing on specialized insurance needs.
PURE home insurance customer complaints
The company’s current NAIC complaint Index for home insurance is 0.00. This indicates a generally high level of satisfaction with PURE’s service. These low complaint numbers may not be surprising, considering PURE’s dedication to personalized service offerings before and after a claim.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from -0.5 to 0.5.
End of interactive chart.
PURE home insurance discounts
Many homeowners seeking cheaper home insurance use home insurance discounts as a way to lower their premiums. PURE notes that it offers home insurance discounts, but doesn’t list specific ways to save on its website. You may be able to speak with a PURE agent to find out how you can save on your policy.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with PURE
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare PURE with other insurers
PURE Insurance Company won’t be the right choice for everyone. If you’re interested in exploring other options, you may want to consider the following providers.
Featured
PURE
Rating: 4.1 stars out of 5
4.1
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Privilege Underwriters Reciprocal Exchange, or PURE Insurance, is a relatively new provider with coverage that’s tailored to individuals with a high net worth. The company offers a wide range of insurance policies for high-value vehicles, homes and items, but may not be a prudent choice for the average American.
Chubb is another major player in the high-value insurance space and even won a Bankrate Award for best high-value home insurance. Chubb’s Masterpiece policy offers robust auto and home insurance offerings, including risk consulting. During a risk consultation, a trained Chubb risk consultant will come to your home to help you identify potential losses and implement preventative measures.
State Farm offers home, auto and life insurance and is consistently one of the highest-rated insurance providers on the market. However, while State Farm may provide adequate coverage for high-value homes and vehicles, its products aren’t tailored to the needs of high-net-worth clients.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is PURE a good insurance company?
Each year, Bankrate’s insurance editorial team conducts honest and comprehensive carrier reviews to help you choose the best insurer for your needs. PURE could be one of the best insurance companies for wealthy individuals. The company’s Member Advocates are among its most outstanding features. These individuals are essentially personal insurance concierges who can guide you through identifying risks, preventing damage, recovering from losses and more. PURE doesn’t have an online quoting option, though, and it isn’t available for standard clientele. PURE may not be right for everyone, but if you have a high net worth, PURE’s products are designed specifically with your needs in mind.
What are real-life customers saying about PURE?
To understand the real-world experiences of PURE Insurance policyholders, we have scoured the internet for customer reviews. Review forums allow individuals to share their personal interactions with PURE, offering a glimpse into the insurer's service quality, responsiveness and claim-handling processes. Given PURE Insurance's niche market focus, customer feedback is less abundant compared to more mainstream insurers.
However, the experiences that are shared highlight PURE's proactive approach to managing high-value properties and vehicles. One Trustpilot review praises PURE for sending a specialist to suggest cost-saving measures and for efficiently handling claims. A Reddit post discusses initial communication hurdles following an accident with a PURE-insured driver but eventually reports a positive resolution once direct contact with a PURE adjuster was established. These accounts suggest PURE's commitment to its clientele, despite some initial communication challenges.
PURE company details
For detailed company information, including contact numbers and addresses, refer to the list below:
Customer service: 1-888-813-7873 or memberservices@pureinsurance.com
Claims: 1-888-813-7873 or claims@pureinsurance.com
Address: PURE Insurance, P.O. Box 480, Elmsford, NY 10523
State availability
PURE insurance is available nationwide. Specific product offerings may vary by location, so check with PURE to see what products and coverage types are available in your area.
PURE tools and benefits
If you’re considering PURE Insurance, the following perks may stand out and help you make your decision.
Mobile app: PURE’s mobile app allows you to file and track claims, access your insurance documents, pay bills and make some changes to your policies.
PURE Art Services: This service may be useful if you need help preserving, enhancing, managing or creating valuations for your art collection.
Watercraft coverage: If you have a sailboat, yacht or anything in between, PURE’s watercraft coverage may be of interest.
Identity theft coverage: Identity theft is becoming more common. Identity theft coverage could help you protect your finances and restore your identity.
Condo and co-op insurance: This coverage is specifically tailored to condo and co-op style homes and the unique risks that they face.
Member Advocates: PURE Member Advocates are available to help PURE members book rental cars, locate repair facilities, communicate with other drivers’ insurers and reduce the administrative tasks that come with vehicle ownership.
Situation Room: This 24/7 resource alerts policyholders via email or phone when they are in the path of a hurricane, wildfire or other major risk. It offers resources, advice and the assistance of a PURE member advocate as needed for the situation.
Home Spotlight:This allows policyholders to request a report that provides data and insights on property-specific risks like flood or fire, information on past insurance claims and building permits, as well as insurability.
Risk management and loss prevention: PURE risk managers can consult with homeowners to identify risks and make recommendations on how they might better protect their property. They can also provide a valuation to help you determine appropriate coverage limits.
Systems home protection:This endorsement includes coverage for losses caused by mechanical and electrical systems breakdowns and allows you to replace damaged equipment with a new unit that is more environmentally friendly or safer.
Frequently asked questions about PURE Insurance
If you need to file an auto or home claim with PURE, you may be able to do it in the following ways:
Use their physical address: PURE Insurance/PO Box 480/Elmsford, NY 10523
PURE’s claims process is a bit different from many insurance companies, starting even before a claim happens. PURE’s Member Advocates may work with you to implement loss prevention strategies for your auto and home insurance. During your claim, your Member Advocate will be your only point of contact, helping ease stress and uncertainty. Finally, after a claim is closed, a Member Advocate may help you analyze the situation so you can work to prevent the same incident from occurring in the future. PURE’s Situation Room can also contact you to warn you of imminent damage and advise you on steps to take to mitigate your losses.
PURE claims to be committed to diversity, equity, community engagement and sustainability. The company has been carbon neutral since 2021. It supports a number of organizations, including United Way, Coalition for the Homeless and Sojourner Center, and matched more than $50,000 of employee donations in 2024. Forty percent of PURE's leadership roles are filled by women and 20 percent by minorities, and the company supports employee resource groups for individuals such as members of the LGBTQ+ community, Latino employees and women. PURE Insurance Scholars are five rising college freshmen who, each year, are paired with mentors and provided access to professional development workshops, financial support and internships.
The company notes that most of its emissions come from commuting, and it is now offering stipends to employees to encourage the use of public transportation. PURE’s company fleet is also being converted to hybrid vehicles. PURE partnered with the Arbor Day Foundation and planted more than 37,000 trees in California, Colorado and Idaho. In line with its sustainability efforts, PURE noted that it moved its investments away from fossil fuels starting in 2016. In 2021, the company made its first investment into an Environmental, Social and Governance (ESG) fund.
Based on third-party assessments, PURE is a reputable company. Its high rating with AM Best for financial management indicates that it is a company that shepherds its finances properly and has historically been able to pay out on claims. The company's excellent scoring with NAIC, where it consistently has far fewer complaints than is average in the industry, suggests that it is a company that works hard to deliver its products and services to policyholders in an efficient, timely manner.
PURE insurance is designed for high-wealth individuals who value superb customer service and are interested in robust coverage for their homes, vehicles and more. The company does not offer business insurance or any coverage options that are not geared toward financially successful individuals. In addition to home and vehicle insurance, it offers coverage for jewelry, art and other collectibles, flood insurance, personal excess liability and a few other options for individuals.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze June 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about PURE
PURE has 49 reviews
Dive into community reviews below and see what others think about PURE.
3.7
49
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
72% of policyholdersrecommend this insurer
Score breakdown
5 stars
35%
4 stars
37%
3 stars
10%
2 stars
0%
1 star
18%
Score by category
Overall rating3.7 / 5
Original cost3.8 / 5
Coverage3.8 / 5
Customer support4.1 / 5
How we got these ratings
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about PURE.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The security of the brand and my friends recomended me this company
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It is too expensive for me to pay every month, but I have to have a car insurance and I'm not sure if switching is wise at this point.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It has very good service and it’s also a good price it’s not high at all
Insurance Type
Home
Score by category
Original cost4/ 5
Customer support5/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They’re very cheap
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer support3/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I needed to have different insurances. It was cheaper to bundle.
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It’s a great fit for me
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It was the best option
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
None so far I can’t think of any right now
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer support4/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It was one of the best options that I had to choose from
Insurance Type
Home
Score by category
Original cost2/ 5
Customer support4/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I value their customer service way more than the other ones. I like their fair prices.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
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