What Makes PURE Insurance Different?
Why We’re Excited to Offer This Elite Coverage to Our Clients
We’re proud to announce that Holt Insurance Agency has been appointed with PURE Insurance (Privilege Underwriters Reciprocal Exchange) — one of the most exclusive and client-focused insurers in the country. PURE isn’t for everyone, and that’s exactly the point. They were built from the ground up to serve successful, responsible individuals and families with complex personal insurance needs.
So what makes PURE different from every other insurance carrier on the market? Let’s take a closer look.
1. A Membership Model — Not a Traditional Insurance Company
Unlike stock insurance companies that serve shareholders, PURE is a reciprocal exchange — which means it’s owned by its policyholders (called “members”). The company’s operating model is designed to:
Prioritize member benefits over profits
Avoid commoditized coverage options
Deliver white-glove service from onboarding through claims
This member-owned model isn’t just branding. It drives every operational and service decision PURE makes.
““We built PURE to do what traditional insurance companies couldn’t — provide uncompromising coverage and proactive service, all while aligning incentives with the people who matter most: our members.””
2. Exceptional Service for Complex Needs
PURE’s high-touch service model is designed to feel more like private banking than traditional insurance. This includes:
Member Advocates: Every client has a dedicated representative who acts as a personal concierge, helping with everything from risk mitigation to claims guidance.
Proactive Risk Management: PURE provides complimentary in-home risk assessments, wildfire defense strategies, and even hurricane preparation support for properties in high-risk areas.
Claim Time Experience: PURE has received consistent praise for fast, fair, and sensitive claims handling — a critical differentiator when disasters strike.
Clients with multiple homes, luxury vehicles, fine jewelry, art collections, or high liability exposure will immediately notice the difference in responsiveness and expertise.
3. Exclusive Eligibility Requirements
PURE is not a mass-market insurer. To qualify, individuals typically need:
Homes valued above $1 million
Strong credit and loss history
Multiple high-value assets (vehicles, collections, etc.)
This curated approach means their risk pool consists of responsible members with fewer and less frequent claims, which allows PURE to reinvest in service and innovation rather than cut corners.
4. Subscriber Savings Account (SSA): A Financial Advantage
One of PURE’s most unique innovations is the Subscriber Savings Account (SSA). Here’s how it works:
When PURE performs well financially (i.e., low claims volume among members), excess underwriting profit is returned to members via their SSA.
Over time, members may accumulate substantial value in their SSA — and under certain conditions, they may even withdraw it.
This feature aligns member interests with PURE’s performance in a way no traditional carrier offers.
5. Coverage Designed Around Affluence
PURE doesn’t retrofit “standard” policies for high-value households — they design policies from the ground up for the realities of affluent lifestyles:
Guaranteed replacement cost on homes
No depreciation on personal property
Agreed value coverage for luxury and collector vehicles
Worldwide liability protection
Blanket coverage for fine art, jewelry, and collectibles
They even offer coverage solutions for domestic staff, cybersecurity threats, and water backup mitigation — details often excluded or capped in traditional policies.
6. White-Glove Underwriting That Supports Rather Than Punishes
Unlike many carriers that react to risk by canceling or non-renewing, PURE’s approach is to partner with the member to reduce risk proactively. For example:
If a wildfire risk is high, they’ll suggest and help pay for defensible space clearing.
If a home has water damage potential, they may recommend installing automatic shut-off valves — and may cover the cost.
They aim to insure smarter, not simply pull away from risk like many standard carriers.
Final Thoughts: Why PURE Is a Game-Changer for Our Clients
At Holt Insurance Agency, we work with several excellent carriers — but PURE stands out for clients with substantial assets, unique risks, and the desire for a truly personal insurance experience.
If you own a luxury home, drive high-end vehicles, or have significant liability exposure, PURE may be the most thoughtful and rewarding carrier you’ll ever work with. We’re thrilled to offer this option and would be happy to explore your eligibility.
Let’s talk. If PURE is a fit for your lifestyle, we’ll help you take full advantage of everything they offer — from superior protection to unmatched service.
