E&S Non-Standard Homeowners Insurance
Non-Standard Homeowners Overview
PURE Programs provides Excess & Surplus (E&S) home insurance for individuals and families with a high value home that is vacant or for sale, or that has a history of losses. Homes with a rebuilding cost over $1 Million, that do not qualify for coverage with an admitted insurer, are eligible for PURE Programs.
We offer best-in-class claims, proactive risk management and emergency preparedness resources, along with insurance coverage that is broader than typically found in the Excess & Surplus market. Our granular pricing rewards customers who have favorable risk characteristics or have taken steps to reduce the risk of loss to their home.
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- "Excellent" or better for financial strength by A.M. Best.
PURE Programs Benefits
Best in Class Claims Service
Experienced in-house adjusters handle claims fast, efficiently and empathetically
On-site risk management consultation to assess vulnerability to risk and provide actionable steps to improve resiliency
Customers are automatically enrolled into a quarterly installment plan at no charge
Immediate Policy Delivery
Policy documents are available electronically once the policy is bound
Highlights of PURE Programs coverage include:
- Flexible Policy Provisions
- Premium is earned on a pro-rata basis with no minimum earned premium. If a home listed for sale is sold, the policy may be cancelled without penalty or minimum earned premium, and any premium paid but not earned will be refunded.
- Special Deductible for Storms
- In Florida, the deductible for storms is applied only for Hurricanes, and is only applied once per calendar year. In other coastal states, the special wind deductible is only applied in the event loss is due to a Hurricane or Named Storm. In Alabama, Georgia, Louisiana, Mississippi and Texas, the special wind deductible is only applied once per year.
- Loss Prevention Benefit
- Nobody wants to suffer a property loss, let alone the same type of loss twice. We will contribute up to $2,500 to help customers reduce the likelihood that a similar loss will occur again.
Currently available for homes in:
Alabama, California, Florida, Georgia, Louisiana, Massachusetts, Mississippi, New Jersey, New York, North Carolina, South Carolina, and Texas.