Privilege Underwriters Reciprocal Exchange (PURE) is introducing updates to its high-value homeowners underwriting guidelines in Connecticut, with changes filed on April 27, 2026 and effective upon approval.

The update revises underwriting rules for the PURE High Value Homeowners program but does not include any rate impact.

A key change lowers the minimum dwelling limit for primary homes to $1.5 million, down from $2 million, expanding eligibility at the lower end of PURE’s target market.

The guidelines continue to focus on risk quality, with detailed criteria around loss history, property condition, and protection features. Risks with recent water losses, unrepaired damage, or poor maintenance may be declined, while higher-value homes require safeguards such as central alarms, water leak detection systems, and temperature monitoring depending on coverage levels.

PURE maintains flexibility in underwriting, allowing exceptions with underwriter approval and emphasizing discretion based on overall risk characteristics.

On the coastal side, the insurer keeps a relatively open stance, stating it will accept new business along the Connecticut coastline without imposing strict distance or construction restrictions. However, homes within 2,500 feet of the coast in certain counties will require at least a 2% hurricane deductible, with optional deductibles up to 10%.

The filing also clarifies that underwriting decisions are not driven by predictive models or AI, and existing financial history practices remain unchanged.

Overall, the update reflects a mix of expanded eligibility and continued emphasis on risk controls, particularly around property condition, loss mitigation, and high-value home protections.