PURE Insurance

PURE Insurance is a member owned reciprocal for high value homes, cars and collections. Based in Florida, it has written here since 2007. Tokio Marine backs it.

You can find it on our list of Florida home insurance companies. It is also on our list of Florida auto insurance companies. Its Florida company code is 08509 and its NAIC number is 12873.

Taking new policiesChecked Oct 19 Home, condo, auto, flood and umbrella

Is PURE Insurance leaving Florida? No. PURE is a Florida domiciled reciprocal that has written here since 2007. It cut Florida homeowners rates 7.6% on average for new business starting February 15, 2026. As of Oct 19, 2026. Source: pureinsurance.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

9,861

Jul 31, 2026, OIR

Latest rate change

−7.6%

Home, from Feb 15, 2026

Financial strength

A (Excellent)

From AM Best

Complaints

0.06

NAIC index, 2025. 1.00 is average.

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your PURE Insurance renewal go up?

You have two choices. One 5 minute call covers both.

  • Keep PURE Insurance, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
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Talk to a licensed agent (727) 997-5999

Or send a message

Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

  1. AM Best affirms PURE at A (Excellent)

    On July 29, 2026, AM Best affirmed the PURE reciprocal's A (Excellent) financial strength rating. It also affirmed its a+ issuer rating. The outlook is stable. AM Best cited Tokio Marine support and catastrophe exposure.

  2. Florida home rates cut 7.6% on average

    PURE cut admitted Florida homeowners rates by 7.6% on average. The cut took effect February 15, 2026 for new business and April 1, 2026 for renewals. Newer, hurricane resilient homes got the largest cuts.

  3. AM Best downgrades PURE from A+ to A

    The reciprocal's rating fell on June 2, 2023. AM Best cut it from A+ (Superior) to A (Excellent). It cited more catastrophe losses, higher reinsurance costs and inflation. It withdrew PURE Insurance Company's rating.

  4. Tokio Marine closes deal for the firm that runs PURE

    Tokio Marine Holdings bought Privilege Underwriters, Inc. and its units. It did so through HCC Insurance Holdings. The reciprocal itself was not sold. It is still member owned.

See every PURE Insurance update

Rate history

Rate filing history: statewide average change per filingHomeowners: −7.6%, effective Feb 15, 2026 (approved)−7.6%HomeownersFeb 15, 2026
Statewide average filed with OIR. Your renewal will differ.

Want your PURE Insurance renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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19 years in Florida

In Florida since 2007. Has paid claims through 10 hurricanes.

2008201020122014201620182020202220242026 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare PURE Insurance side by side

PURE Insurance side by side with State Farm and Universal Property
PURE Insurance State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 9,861 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change −7.6% Home, from Feb 15, 2026 +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 0.06 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A (Excellent) AM Best A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2007 1934 1997

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Questions people ask about PURE Insurance

Is PURE Insurance leaving Florida?No.

PURE is a Florida domiciled reciprocal. Florida is its largest state by premium. It has written here since 2007. In 2026 it cut Florida homeowners rates by 7.6% on average. The cut took effect February 15, 2026 for new members and April 1, 2026 for renewals. No moratorium or county limit was found.

Source: PURE newsroom, Florida rate decrease, dated January 14, 2026, read October 9, 2026

What is the PURE Insurance claims phone number?Call 888.813.7873.

Claims support is open 24 hours a day, seven days a week. The same number handles roadside assistance and general member questions. General contact hours are Monday to Friday 7 a.m. to 9 p.m. ET and Saturday 8 a.m. to 8 p.m. ET. You can also report a claim online.

Source: PURE FAQ page, read October 9, 2026

Is PURE Insurance a good company?Public data: AM Best rates Privilege Underwriters Reciprocal Exchange A (Excellent) with a stable outlook.

It affirmed that in July 2026. It was A+ until a June 2023 downgrade tied to catastrophe losses and reinsurance costs. It has been licensed in Florida since 2007. It reports more than 120,000 member households with retention above 95%.

Source: AM Best release, July 29, 2026; Insurance Business, April 14, 2026

Who owns PURE Insurance?Its members do.

PURE is a reciprocal exchange, so policyholders are the owners. PURE Risk Management, LLC runs it as attorney in fact for a fee. That manager is owned by Privilege Underwriters, Inc., which Tokio Marine Holdings bought on February 7, 2020. Tokio Marine owns the manager, not the exchange.

Source: PURE Tokio Marine acquisition fact sheet, read October 9, 2026

Is PURE Insurance admitted in Florida?Yes.

Privilege Underwriters Reciprocal Exchange is a Florida domestic reciprocal. Its NAIC code is 12873. OIR authorized it on January 23, 2007. Its sister company, PURE Specialty Exchange, is a surplus lines carrier. It covers homes the admitted one will not take.

Source: OIR financial examination report as of December 31, 2023, issued February 25, 2025

Is PURE Insurance the same as PURE Specialty Exchange or PURE Programs?They are related but not the same.

PURE Insurance is the admitted Florida reciprocal. PURE Specialty Exchange is a surplus lines reciprocal based in Scottsdale, Arizona. It covers high value homes that do not qualify for admitted cover. That includes coastal homes. PURE Programs handles the group's excess and surplus lines business.

Source: Coverager, July 13, 2025; AM Best release, August 7, 2025

Still deciding? Let us shop your PURE Insurance renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

PURE Insurance reviews and complaints: what the public data shows

PURE Insurance rating

A (Excellent) from AM Best.

Complaints
0.06 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2007 (19 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.