E&S Insurance for Homes under Major Renovation

Exceptional insurance for high value homes under major renovation. An Excess & Surplus lines product.
Kitchen under renovation.

Homes under Major Renovation Overview

PURE Programs provides Excess & Surplus (E&S) high value home insurance for individuals and families remodeling, renovating, or constructing an addition to their home. Homes that at the conclusion of the project will have a rebuilding cost over $1 Million, that do not qualify for coverage with an admitted insurer, are eligible.

We offer best-in-class claims and proactive risk management, along with insurance coverage that is broader than typically found in the E&S market. Our risk management team collaborates with homeowners to ensure homes are well-protected during renovation and after. Our coverage is more customizable than typical E&S options, meaning our customers pay only for the coverage they need, and our granular pricing rewards customers who have favorable risk characteristics or have taken steps to reduce the risk of loss to their home.

About E&S

Excess & Surplus products are typically for unique risks that standard “admitted” insurers will not write. Admitted insurers are licensed and regulated by the states they operate in. E&S products are provided by non-admitted insurance companies that aren’t subject to most of the rate and form regulations that govern admitted insurers. PURE Programs policies are underwritten by independent insurers who are rated A or better for financial strength by A.M. Best.

PURE Programs Benefits

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Best in Class Claims Service

Experienced in-house adjusters handle claims fast, efficiently and empathetically

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PURE 360™

On-site risk management consultation to assess vulnerability to risk and provide actionable steps to improve resiliency

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Smart Billing

Customers are automatically enrolled into a quarterly installment plan at no charge

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Immediate Policy Delivery

Policy documents are available electronically once the policy is bound 

Highlights of PURE Programs coverage include:

Coverage of the Existing Structure and New Work
In the event of a loss during a remodel or renovation, we provide coverage for the existing structure and the new work.
Broad Policy Contract
We provide coverage for back-up of sewers and drains, debris removal, ensuing fungi or bacteria, theft of building materials, property on site as well as in transit, and scaffolding and other temporary structures.
Specialized Coverage Options
We offer coverages to address the unique exposures of construction risks. For example, an optional coverage is available to offset costs such as interest on construction loans, real estate taxes and permit fees that result from a covered loss delaying the completion of the home.
Flexible Policy Provisions
Premium is earned on a pro-rata basis with no minimum earned premium. Should a project extend past the anticipated completion date or be completed prior to the end of the current term, coverage can be renewed or cancelled without the familiar minimum earned premium concerns. For larger projects, coverage can better match the actual physical risk through the use of coverage step-up provisions.
Additional Living Expenses
In the event of a loss during the home renovation process causing homeowners to be either delayed from moving in or forced to move out, we offer coverage to help offset additional living expenses.
Personal Liability Coverage
We offer the option to include personal liability coverage for the homeowner, removing the need to purchase liability coverage separately.

   Currently available for homes in:

Alabama, California, Florida, Georgia, Louisiana, Massachusetts, Mississippi, New Jersey, New York, North Carolina, and South Carolina.

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