PURE Programs’ non-admitted flood coverage is a standalone policy that offers higher limits and broader coverage options than NFIP. Dwelling and Contents limits are available up to $5M in total insured value. (Limits above $2M are subject to manual review.) PURE Programs’ policy offers a variety of coverages not offered by NFIP including additional living expenses, basement improvements, basement contents, landscaping, hardscaping, pools, spas and hot tubs. Lastly, PURE Program’s policy offers increased limit options for debris removal, rebuilding to code, loss avoidance and loss assessment.

Yes, a flood deductible does apply. However, if a covered loss involves a PURE Programs’ non-admitted flood policy and another policy written by PURE, PURE Specialty Exchange or through its affiliate PURE Programs, and separate deductibles apply to both losses in the same occurrence, the flood deductible will be waived, only if the loss involving the other policy exceeds its applicable deductible. 

Other Structures (with some exclusions) are covered by the policy as a separate limit, which defaults to 10% of the selected Dwelling Limit on the flood policy. Higher limits are available subject to manual underwriting review. 

Yes, Additional Living Expenses are included with the following limit options available: $50,000, $150,000 and $250,000. 

Basements where the floor is below ground level (subgrade) on all sides are covered by the endorsement with limits available for dwellings up to $250,000 for improvements and $100,000 for contents. Condominiums and co-ops can select a basement limit up to $100,000 for combined improvements and contents. Higher limits are available subject to manual underwriting review. 

If higher limits are needed, the customer can request a quote for Excess Flood under their homeowners policy. Note that Excess Flood will not provide additional coverage for items with sub-limits, ALE, basements or other structures.

View PURE's admitted flood FAQs.

Visit PURE Online and create a PURE Programs’ non-admitted flood quote through any active homeowners quote or policy, or email quote@pureinsurance.com.   

A customer can switch to a PURE Programs flood policy at any time as long as there is no active moratorium in place. However, NFIP policies sometimes have restrictive cancellation provisions, so it may be in the customer's best interest to add PURE Programs’ non-admitted flood policy effective on the expiration date of their NFIP policy. Please consult your NFIP policy’s rules and regulations for further details. 

Coverage can be issued without a waiting period if: 

• The flood policy is issued with matching effective dates (new business or renewal) of a homeowners policy issued by PURE, PURE Specialty Exchange or through its affiliate PURE Programs, or 

• If the flood policy is replacing existing primary flood coverage  

If neither of the above criteria are met, a 7-day waiting period applies. 

Yes, PURE Programs’ flood policy meets the definition of private flood insurance contained in 42 U.S.C. 4012a(b)(7) and 24 CFR 203.16a(e) for FHA-insured mortgages.