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Highlights
Financial Strength Rating A

Privilege Underwriters Reciprocal Exchange (PURE) Review

Privilege Underwriters Reciprocal Exchange (PURE) is an insurance carrier based in White Plains, NY. The company was founded in 2006 and offers flood insurance in 51 states in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage. 

Privilege Underwriters Reciprocal Exchange (PURE) FAQ

What types of coverage does Privilege Underwriters Reciprocal Exchange (PURE) offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Privilege Underwriters Reciprocal Exchange (PURE) only offers federal flood insurance policies..

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

Privilege Underwriters Reciprocal Exchange (PURE) customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a Privilege Underwriters Reciprocal Exchange (PURE) home insurance policy?

When you ask for a quote with Privilege Underwriters Reciprocal Exchange (PURE), make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

 

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Privilege Underwriters Reciprocal Exchange (PURE).

What additional benefits does Privilege Underwriters Reciprocal Exchange (PURE) offer?

Privilege Underwriters Reciprocal Exchange (PURE) offers the following benefits to its customers:

What is the financial strength rating of Privilege Underwriters Reciprocal Exchange (PURE)?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

 

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Message From Privilege Underwriters Reciprocal Exchange

Flooding is the most common natural disaster, yet flood damage is not covered by a traditional Homeowners policy. With PURE Flood Solutions®, you can select from three levels of protection to obtain and customize flood coverage with incredible precision. PURE Flood Solutions also provides you with a seamless claims experience. For example, if a storm causes both wind and water damage to your home, we’ll handle the entire process and provide you with a single point of contact, all with the excellent service for which PURE is known.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:00am - 8:00pm

About Privilege Underwriters Reciprocal Exchange (PURE)

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Policy Discounts
  • Multiple Policy
  • Claims Free
Property Discounts
  • Flood Zone Designation
  • Freeboard (Property Elevation Above BFE)
Home and Renters Insurance
  • Personal Property Protection
  • Dwelling Coverage
Home and Renters Insurance Riders Flood Coverage (Federal)
Financial Strength Rating A
Carrier Features
  • Locally Available Agents
  • Paperless Billing

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