Privilege Underwriters Reciprocal Exchange (PURE) is seeking approval to expand its high-value homeowners coverage in Florida with a new service line endorsement and updated fraud and cyber protection.

The revised Fraud and Cyber Defense coverage adds protection for cyberbullying and online harassment expenses. It also introduces auto cyber coverage for attacks involving personal information stored in connected vehicles, including certain cyber extortion, towing and transportation costs.

PURE’s new service line endorsement would cover damage caused by failures involving underground water, waste, heating, natural gas, electrical, drainage and communications lines, among others. The coverage also applies to bellied piping. Hartford Steam Boiler developed the endorsements and will reinsure 100% of PURE’s service line exposure.

PURE is seeking an October 17, 2026, effective date for new business and a December 1, 2026, effective date for renewals. Existing policyholders would be able to add service line coverage beginning October 17.