Privilege Underwriters Reciprocal Exchange(Florida); Profile, Contacts, Claims, Services, Ratings, & Benefits

Privilege Underwriters Reciprocal Exchange also known as PURE is a special insurance company in Florida. It’s for people with homes worth $1 million or more and businesses making $5 million or more each year. Starting in 2006, PURE has become a top choice for rich individuals and families.

Privilege Underwriters Reciprocal Exchange

Different from Others

PURE is not like regular insurance companies. Here, the people who have insurance are also the owners. They share in the company’s success and risks. This way, PURE’s decisions are all about what’s best for the people with insurance.

Privilege Underwriters Reciprocal Exchange Beginnings

PURE started in 2006 when some smart insurance folks saw the need for special insurance for rich people. They wanted to give thorough coverage, great service, and understand the unique risks rich people face.

Today’s PURE

PURE has grown a lot since the beginning. People who own homes, collect valuable things or run businesses like PURE for the top-notch protection it offers.

Privilege Underwriters Reciprocal Exchange Mission and Values:

PURE’s goal is to give outstanding insurance to the rich. Their values are all about:

  • Customer Focus: They care about what their members need and give them special solutions.
  • Risk Management: They help members deal with risks before they become big problems.
  • Expertise: The people at PURE know their stuff about rich people’s insurance needs.
  • Financial Strength: PURE is strong financially, making sure they can always help their members, especially in tough times.
  • Innovation: PURE keeps getting better by trying new things in their products and services.

PURE is known for being a top choice for rich people who want the best insurance.

Their commitment to these values has made them a trusted partner for those seeking top-notch insurance solutions.

Contact Details of Privilege Underwriters Reciprocal Exchange

Contact Method Details
Phone 1-888-813-7873
Website PURE Insurance
Mailing Address 44 South Broadway, White Plains, NY 10601


What Does Privilege Underwriters Reciprocal Exchange Offer?

PURE Insurance gives thorough coverage for important things like homes, cars, jewelry, art, watercraft, and more. This means you’re protected from many different risks.

Homeowners Insurance
  • Great Coverage: PURE’s homeowner’s insurance covers a lot, like fire, theft, and storms.
  • Special Rates: They have good prices for homes that are worth a lot.
  • Experts Help: People at PURE know a lot about risks and help you avoid them.
  • Protecting Valuables: You can get special coverage for valuable things like art, jewelry, and wine collections.
Automobiles Insurance
  • Complete Coverage: PURE’s car insurance covers everything—damage, accidents, and even if the other person doesn’t have enough insurance.
  • Quick Claims Service: If something happens, PURE makes sure to quickly take care of your claims.
  • Special Coverage: They also cover special cars like vintage or custom ones.
  • Package Deals: If you have more than one car, PURE makes packages that suit you.
Jewelry and Art Insurance
  • Total Protection: PURE’s coverage keeps your precious jewelry and art safe from theft, loss, or damage.
  • Expert Appraisals: They get experts to tell you how much your things are worth so you have the right coverage.
  • Safe Options: PURE helps with the safe storage and transportation of your valuable items.
  • Customized Coverage: You can get coverage that fits your special collections like antiques or rare coins.
Personal Umbrella Liability Insurance
  • Extra Protection: PURE’s umbrella liability insurance gives you more coverage in case of big lawsuits or claims.
  • All-Around Coverage: It covers both personal and professional liability.
  • Legal Help: If there’s a lawsuit, PURE gives you expert legal support.
  • Peace of Mind: You can relax knowing you have full protection.
Watercraft and Flood Insurance
  • Complete Coverage: PURE’s special coverage protects your valuable watercraft and properties from water risks.
  • Customized Plans: They have plans that fit different water vehicles like yachts or boats.
  • Flood Insurance: PURE covers homes in areas where floods happen.
  • Expert Help: They know a lot about risks in the water and help you avoid them.

PURE is different because they care about giving great coverage, personal service, and making sure you’re safe from risks. Their plans are made for rich people and families who want the best protection for their valuable things.

Privilege Underwriters Reciprocal Exchange

Filling Claims with Privilege Underwriters Reciprocal Exchange

Online Claim
  1. Visit PURE’s website and log in.
  2. Click on “Claims” and choose the type of claim (like auto or property damage).
  3. Fill out the online form with details about what happened, including date, time, and location.
  4. Attach any needed documents, like receipts or reports.
  5. Submit the form and double-check everything is correct.
Phone Claim
  1. Call PURE’s member service at 1-888-813-7873.
  2. Tell the person you want to file a claim.
  3. Give your policy info, like your policy number and name.
  4. Share all the details about the incident, including when and where it happened.
  5. Give any extra info they ask for.
Agent-Assisted Claim
  1. Get in touch with your PURE insurance agent.
  2. Tell your agent what happened and share any documents.
  3. Your agent will help you fill out the claim form and send it to PURE.

Choosing how to file a claim with PURE is simple. Whether online, by phone, or through your agent, they make sure you get the support you need quickly and easily.

Ratings of Privilege Underwriters Reciprocal Exchange

PURE gets great ratings from top agencies, showing they’re financially strong and can meet their promises to policyholders.

  • A.M. Best: A- (Excellent)
  • Demotech, Inc.: A- (Excellent)
  • Standard & Poor’s: “a” (Excellent) for Long-Term Issuer Credit Rating
  • Fitch Ratings: A- (Excellent) for Insurer Financial Strength Rating

These ratings tell us that PURE is in a good financial place, makes smart business decisions, and cares about its policyholders.

Customer Reviews

People who use PURE also say good things. Here’s what some reputable sources say:

PURE stands out not just with great ratings but also with happy customers who love their excellent service and coverage.

Privilege Underwriters Reciprocal Exchange

Unique Ownership Structure

PURE is different – it’s owned by the people who have insurance with them. These people are also members. This way, PURE, and its members have the same goal: to give great coverage and service.

Privilege Underwriters’ Reciprocal Exchange Responsibilities to Members

PURE has some important jobs for its members:

  • Complete Coverage at Good Prices: PURE promises to give members the best coverage for their valuable things. They offer different insurance, like for homes, cars, jewelry, and more, at good prices.
  • Amazing Customer Service: People at PURE work hard to help members. They have a team of experts who give personal attention and quick service. Members can also use online tools to manage their policies and file claims.
  • Smart Risk Management: PURE works to avoid risks that could be a problem. They have a team that looks at, understands, and lessens risks. They also have plans in place to protect members from big losses.
  • Strong Money Management: PURE makes sure it has enough money to help its members when needed. They keep their money safe and have good ratings from credit agencies. PURE also invests smartly for long-term growth.
  • Open and Accountable: PURE believes in being open and accountable to its members. They share updates about how they are doing financially and how they manage risks. They also have regular meetings to listen to members’ concerns and ideas.

Why Choose Privilege Underwriters Reciprocal Exchange

PURE is known for being a trustworthy partner for rich people and families. They are strong financially, give great service, and make sure your valuable things are well-protected. PURE is a top choice for high-net-worth insurance.


FAQ 1: What is Privilege Underwriters’ Reciprocal Exchange (PURE)?

PURE is a high-net-worth insurance company that provides comprehensive coverage for homes, automobiles, jewelry, art, watercraft, flood, and personal umbrella liability.

FAQ 2: Who is eligible for PURE insurance?

PURE insurance is available to individuals and businesses with valuable assets, typically those with homes valued at $1 million or more and businesses with annual revenue of $5 million or more.

FAQ 3: What are the benefits of PURE insurance?

PURE offers several benefits, including:

  • Comprehensive coverage for high-value assets
  • Competitive rates
  • Exceptional customer service
  • Proactive risk management

FAQ 4: How can I get a quote from PURE?

You can get a quote from PURE by calling 1-888-813-7873 or visiting their website at

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