Privilege Underwriters Reciprocal Exchange (Pure)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
PURE’s verified broker-facing underwriting guidance found on the official site is specific to Flood. PURE positions itself as a carrier for high net worth individuals and families and notes that it works with appointed brokers who understand personal insurance needs of that segment. For Flood, the admitted product is an endorsement to the Homeowner policy rather than a standalone NFIP form. Preferred placement appears to be existing PURE homeowners accounts needing broader private flood protection, including homes, condo/co-op risks, and tenant policies. Published admitted flood limits are up to $2M dwelling and $1M contents, with ALE options of $50,000, $150,000, or $250,000. Basement coverage is broader than many flood forms, with subgrade basement limits up to $250,000 for dwelling improvements and $100,000 contents; condo/co-op basement limits are available up to $100,000 combined. Other structures are included within the dwelling limit, but sub-limits apply for items such as hardscaping, pools, spas, and hot tubs. If higher limits are needed, PURE directs brokers to request Excess Flood, but notes excess flood does not increase coverage for sub-limited items, ALE, basements, or other structures. Operational restrictions/conditions published: no waiting period, but no coverage for flood already in progress; mid-term addition is allowed; switching from NFIP can be done during the policy term subject to no active moratorium, though NFIP cancellation rules may make renewal-date replacement preferable; the admitted endorsement is represented as satisfying private flood insurance mortgage requirements, including FHA-related standards. Submission/quoting instructions: brokers should quote by adding the admitted flood endorsement in PURE Online to an active homeowners quote or policy, or by emailing flood@pureinsurance.com. Broker notes: PURE’s Broker Portal is the main producer entry point for quoting new business, claims/member visibility, underwriting guidelines, FAQs, and training webinars; not-yet-appointed brokers are directed to request an appointment, and PURE states broker appointments are selective. No verified official PURE underwriting/appetite page was found for Workers Comp on the provided domain.