About PURE Insurance
PURE Insurance (Privilege Underwriters Reciprocal Exchange) is a specialty insurer focused on the unique needs of high-net-worth individuals and families. Founded in 2006, PURE was created to provide tailored insurance solutions and elevated service for clients with significant assets or lifestyle exposures that may exceed the scope of standard policies offered by many traditional carriers.
PURE operates on a member-centric model, emphasizing personalized guidance, comprehensive risk management, and concierge-level support for policyholders who require more than standard coverage. This approach makes PURE a compelling choice for individuals with valuable homes, collections, specialty vehicles, and other high-value exposures.
What PURE Insurance Covers
PURE Insurance specializes in customized coverage designed for affluent and complex risks. Unlike many standard carriers, PURE focuses on policies that address the sophisticated protection needs of its members.
High-Value Home & Property Insurance
Primary Residence Coverage: Enhanced protection for high-value homes, structures, and personal property
Valuables & Collections: Coverage for fine art, jewelry, antiques, wine collections, and other valuable possessions
Replacement Cost & Extended Replacement Cost Options: Designed to address reconstruction cost fluctuations in today’s market
Flood & Earthquake Solutions: Specialty coverage for risks often excluded from standard home policies
Auto & Specialty Vehicle Insurance
Collector and Luxury Autos: Policies tailored for high-value, limited-use, or classic vehicles
Garage and Storage Coverage: Options for properly protecting vehicles not regularly driven
Liability & Risk Management
Personal Excess Liability: High-limit umbrella coverage above and beyond primary policy limits
Identity Theft & Personal Risk Management Services: Support and restoration services for identity protection and other non-traditional exposures
PURE’s approach to underwriting and coverage emphasizes a tailored risk profile, often incorporating detailed assessments to ensure the policy matches each member’s unique lifestyle and asset holdings.
Member-Focused Experience & Value
One of PURE’s distinguishing features is its member services model, which includes:
Dedicated Member Services Team: Personalized support to navigate policy questions, claims, and coverage changes
Risk-Management Resources: Tools and consultations aimed at reducing exposures and preventing loss
Claims Advocacy: Hands-on assistance through the claims process to help ensure a smooth experience
Rather than treating insurance as a commodity, PURE underwrites policies with a holistic understanding of each member’s risks and priorities — which can result in more appropriate coverage and fewer coverage gaps.
Discounts & Ways to Save
While PURE’s focus is on high-value accounts rather than price-driven commodity products, there are still opportunities for value through:
Multi-line coverage bundles
Loss-control and risk-mitigation benefits
Trusted property improvements that reduce exposures
Because PURE policies are highly customized, discounts and savings options are evaluated on a case-by-case basis. Our team can help you understand potential value areas and how they apply to your unique situation.
Financial Strength & Reputation
PURE maintains strong financial ratings from independent agencies, reflecting its stability and ability to meet claims obligations — a critical factor for high-value policyholders who need dependable coverage. These strong ratings provide confidence that claims will be paid and protection delivered when it matters most.
Customer feedback for PURE often highlights the high level of personalized service and the detailed attention given to member needs.
Once your PURE policy is active, you can manage your coverage with help from both the insurer and our agency:
For all other inquiries, including policy changes and questions, please contact us.
Pay Your Bill
Log in to your online Pure Account
Make a one-time payment
Make a one-time payment to your account or on behalf of a PURE member.
Pay By Phone
Monday – Friday: 7AM – 9PM ET
Saturday: 8AM – 8 PM ETPay by check
Attach the payment coupon located at the bottom of your bill, include your member ID on the check and mail it to:
PURE Insurance, Lockbox #2655, PO BOX 95000, Philadelphia, PA 19195-0001
File A Claim
Claims service support is available 24 hours a day, 7 days a week.
To report a claim, call 888.813.7873
Log in to your account online or in the PURE Insurance Mobile app.
Obtain a Copy of Your Policy
Log in to your online Pure Account
Your Online Account
Setting up your online account is the best way to interact with your insurance carrier.
Set up your online account on Pure's website here or download Pure’s App.
Why Work with Holt Insurance Agency
Choosing PURE Insurance through Holt Insurance Agency means you get:
Tailored Coverage Guidance: We help you understand the specialized features of PURE policies and how they align with your high-value exposures.
Risk-Focused Planning: We assist with evaluating your risk profile and recommending coverage to protect your lifestyle and assets.
Claims Support & Advocacy: If you ever need to file a claim, we work alongside you and PURE to ensure your experience is as smooth and fair as possible.
Ongoing Review: As your assets and exposures change over time, we help ensure your insurance keeps pace.
Because PURE’s offerings are designed for unique and high-value situations, having an experienced, trusted agent makes a meaningful difference in tailoring the right protection for you.
Have Questions or Need Help?
If you’re interested in exploring PURE Insurance, comparing it with other carriers, or reviewing your current coverage, we’re here to help:
📧 service@holtinsuranceagency.com
Let Holt Insurance Agency help you secure sophisticated insurance solutions that protect your valuable assets and give you peace of mind.