Notable features of high value home insurance
Flexible Rebuilding Options
If a fire or other covered event destroys your home, our coverage gives you the option to rebuild or receive a cash settlement. It’s that simple; you decide.
Home Reconstruction Cost
Our coverage can provide you with peace of mind in knowing that your luxury home can be rebuilt to the same standard, even in some instances where the actual cost to do so may exceed your coverage limits.
Jewelry Coverage Included in Your Homeowners Policy
Our high value Homeowners policy includes $50,000 of coverage for lost, misplaced or stolen jewelry. This helps to better protect your valuables that are not covered by a dedicated Collections policy and avoid out-of-pocket expenses at the time of a claim.1
Broad Coverage for Sewer and Drain Backups
If a sewer backs up and causes your drains (whether inside or outside of your home) or toilets to overflow, we will pay to clean it up and replace or rebuild damaged property, up to the limit on your policy.
Overland Water Coverage
To provide additional protection against water damage, we include coverage for damage caused by inland water, like rain or the overflow of water from a dam, river or lake.
Loss of Use
If a covered loss makes your home unlivable, we will pay for any reasonable living expenses, like a temporary place to stay, so that you and your family can maintain your normal standard of living while repairs are being made.2
Flexible Deductible Options & Waiver of Deductible
We give you the flexibility to choose a deductible for your luxury home policy that best fits your lifestyle and we also recognize that large losses can be extremely disruptive. So, if your deductible is $25,000 or less and you experience a covered loss that is more than $100,000, we will waive your deductible.
Coverage to Help You Prevent a Similar Loss
For covered losses greater than $10,000, we will contribute up to $2,500 to help you implement a solution that reduces the likelihood of a similar loss. Members use this benefit to invest in whole-house generators, leak detection systems, lightning suppression systems and other loss prevention solutions.
1. Up to $25,000 for any single item. 2. If the damaged home is not your primary residence, we will cover the necessary reasonable increase in living expenses incurred by you so that your household can maintain its normal standard of living for those periods of time that you had planned to use, or customarily use, the residence.
Services to make your life easier
Helping You Reduce Risk to Your Home
The best way to protect your home is to prevent losses from happening in the first place. A PURE Risk Manager may visit your home to conduct a PURE360 Risk Management Consultation and recommend ways to make your home safer and take advantage of premium discounts. A PURE Risk Manager can help implement those recommendations, from vendor selection to appointment scheduling.
Claims Service that Exceeds Your Expectations
While we do everything in our power to help you prevent a loss, claims do happen. Our adjusters will work directly with you to deliver a hassle-free claims experience with speed, professionalism and compassion. Your adjuster can help you locate temporary housing, connect with local contractors and vendors, replace lost items and more.
Easily manage your membership
You can easily view your policies, pay your bills, track claims and access other valuable member resources in your online account or the PURE Insurance mobile app. You will also benefit from a single log in, even if you have policies in both the U.S. and Canada.
