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PURE Insurance Reviews

Rated 3.6 based on 95 Reviews

44 S Broadway # 301, White Plains, NY 10601, United States

Insurance Services White Plains

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Published on
July 23, 2025
Last updated
July 23, 2025
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Reviews Summary

Customer sentiment towards PURE Insurance is mixed, reflecting both strong dissatisfaction and notable praise across its insurance offerings. Reviewers commonly note issues such as denied claims, poor communication, use of third-party inspectors, and significant premium increases, particularly for home insurance. While some mention specific staff members and positive automotive claims experiences, criticisms around handling home-related claims and delayed resolutions appear frequently.

The most frequent themes in reviews revolve around claims processing, with several customers perceiving PURE Insurance practices as overly rigid, slow, or unfair—especially for property-related claims. Multiple reviewers cite premium hikes tied to high home appraisals as well as difficulties working with appointed inspectors and claim adjusters. Conversely, some customers describe positive experiences, especially in Florida, highlighting responsive support during storm events and prompt payments for automotive policies.

Overall, PURE Insurance has a divided reputation among policyholders in the United States, particularly for home and auto coverage. While there are commendations for responsive staff and proactive storm communication, persistent concerns about claims denial and premium inflation may prompt careful consideration for potential customers, especially those insuring high-value homes.
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What Customers Are Saying About PURE Insurance?

PURE came through...and then some!

done an outstanding job

wonderful, as well

Terrific customer service

support. For example

emails on how to prepare

immediately available to quickly assess

paid us based on those invoices

very satisfied with Pure

would recommend them

Trustguide extracts key phrases from reviews about PURE Insurance and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 40% of PURE Insurance's customers had a positive experience.

Positive
40%
Neutral
10%
Negative
50%

PURE Insurance Ratings

1

As of Based on 95 revies as of Jul 23, 2025

PURE Insurance Score

40%

As of Based on 95 revies as of Jul 23, 2025

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Customer Reviews

As of Jul 23, 2025, 95 customers have reviewed this business and rated it 3.6 Star out of 5. Trustguide conducted an in-depth analysis of PURE Insurance's publicly available reviews View source

J Marc Kannegieser rated PURE Insurance 1 stars
2 months ago
Avoid this company. I paid the premiums and the annual additional surcharges as billed for several years. (the surcharges that eventually get eliminated by being a long term Pure subscriber) I had a roof/chimney claim and Pure demanded engineering reports and information that was not industry standard. One expert was hired by Pure to review the issue but the leakage could not be determined by roofing or masonry investigation without dismantling the roof structure and the chimney. I asked for additional time to find an expert and did not receive any communication from Pure regarding the problem. No communication from Pure....just a cancellation notice giving me 30 days to find a new underwriter...from the date of the notice. That equated to 16 business days to find a new vendor. Pure hell. Steer clear!
C Welinder rated PURE Insurance 1 stars
2 months ago
We have been with Pure for six years. We were initially optimistic about PURE Insurance and even referred friends to them, believing they would stand by their customers. Unfortunately, our experience has been nothing short of disappointing. PURE denied a valid claim after a contractor excavated our slope and caused extensive damage to our trees, vegetation, and private retaining walls. Instead of accepting responsibility, PURE falsely labeled the situation as "earth movement" — a clear misrepresentation of the facts — to wrongfully deny coverage. At the same time, PURE has imposed massive premium increases. Last year, they raised our premium by nearly 30%. Half year through this year, they raised it by additional 35%, after an inflated home appraisal they arranged themselves. These actions show a clear pattern: PURE looks for excuses to deny claims while aggressively inflating premiums.
Alper S. rated PURE Insurance 1 stars
2 months ago
Update: The company mentioned that they looked in to our claim and they concluded everything was done properly. If that was the case, they would absolutely find out about the inaccuracy of the third party reports. Unfortunately, they are pretending to care when in actuality they could not care less. Original Review: We have been a Pure member since 2015 and did not file any claims until last May due to a hail storm. The way they handled our claim was on par with the worst in the industry. They sent out third party inspectors whose only goal is to minimize the obvious damage or pretend like it does not exist so that Pure can deny the claim. Both the Seek Now and "engineer" reports failed to include photos of the damage to our roof and other exterior components. I disputed the reports by submitting photos of the damage, but Pure decided to make their decision on inaccurate reports. Awful experience.

Frequently Asked Questions About PURE Insurance

How does PURE Insurance handle claims for home and property damage?

Customers report that PURE Insurance often uses third-party inspectors and engineers during claim assessments. Several mention lengthy resolution times and additional steps for dispute resolution, such as appraisals, especially for significant property or storm damage.

Are PURE Insurance premiums subject to increases?

Reviews indicate that PURE Insurance premiums may rise significantly, sometimes following new appraisals or claims history. Some customers have experienced multiple large increases within a single policy period, particularly for high-value homes.

Is PURE Insurance responsive and accessible during major storm events?

Some policyholders in storm-prone regions, such as Florida, note that PURE Insurance provides proactive communication ahead of storms. They also report prompt assessment and repairs following storm-related damages, often with knowledgeable and empathetic staff involvement.

About PURE Insurance

Insurance Services
44 S Broadway # 301, White Plains, NY 10601, United States
Visit website
+1888-813-7873
PURE Insurance is a provider of personal insurance products, primarily serving high-net-worth individuals and families. Its offerings include homeowners, automobile, and other property-related insurance solutions. The company operates within the broader insurance industry and issues policies directly to clients throughout the United States.

PURE Insurance manages claims, underwriting, customer support, and risk evaluation through a combination of in-house teams and third-party specialists. The company processes claims with involvement from inspectors, adjusters, and engineers when necessary, and uses premium assessments and replacement cost valuations to determine policy pricing and payouts. Communication is conducted via phone, email, and through affiliated agents.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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