Vault Coverage

Designed specifically for high net worth individuals, our Vault policies protect your extraordinary legacy so you can live more and worry less.

Combining superior attention to detail with best-in-class concierge services, we can promise you an exceptional insurance experience.

Protecting What Matters Most

Vault offers high net worth personal insurance and customized solutions for individuals and families. We’re not just insuring assets, we’re reducing risks with data-driven technology to protect what matters mostcherished moments, family memories, and priceless legacies. ​

Fastest Claims Response

Vault offers the industry’s best response time to claims. We respond to claims in under 2 hours from initial contact. Our average time for some form of payout is 48 hours, significantly faster than the industry average of 1-4 weeks.

Homeowners Insurance

Your home is where you’ve built the life you love and the memories you cherish. Protect the extraordinary quality, customization and design in your luxury home with our comprehensive policies designed specifically for affluent individuals and families.

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Auto Insurance

Traditional coverage is often not enough for luxury vehicles with high-end smart technology and customizations. We designed our Auto policies with enhanced, broader coverage to meet the needs of affluent customers.

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Collections Insurance

Whether you collect fine art, jewelry, vintage wine, rare whiskey, couture gowns, or priceless antiques – whatever your passion, we can protect it.

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Excess Liability Insurance

Where there are exciting travels, opportunities, and experiences, there will inevitably be risks for high net worth individuals. Having personal liability coverage protects you and your financial security from possible exposure. With Vault Excess Liability, you’re protected.

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Vault Custom Insurance

Affluent individuals and families often need more consideration to insure and protect. Where other insurers offer inflexible coverage in black and white, Vault offers a blank canvas to add color and customization to your policy. Our Vault Custom (E&S) underwriters craft a policy that fits your needs with none of the fluff.

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Vault Commercial Insurance

You’ve crafted a remarkable business with complex risks to consider. We’re here to ensure your business insurance is tailored to it. Vault Commercial provides insurance for commercial customers, adding color and customization to your business policy to fit your unique needs.

Vault Commercial Insurance

Fortress: Family Office Insurance

Family offices face substantial risks. A customized insurance policy ensures you are protected. Fortress by Vault Commercial provides broad coverage for the complex risks of family offices. We designed our product to provide superior, customizable coverage tailored to the needs of your business.

Fortress: Family Office Insurance

Based on A
True Story

“I always heard the horror stories of working with adjusters and coming to terms with a damages claim. To my amazement, the people at Vault Insurance have made this post-hurricane experience easy. From their communication skills to their understanding of what I’m going through, and then educating me on this process, it’s been a pleasure. They have been more akin to a relief than an obstacle to rebuild my home and life. Further, since the storm, I have made a point to discuss my experiences with Vault Insurance with my family, friends and neighbors. I’m proud to be a Vault client.

Dan, Vault Customer


“We came home to find a serious water leak in the stairwell that caused significant damage and created a mold hazard. Within hours our adjuster came to the house to make an initial assessment and immediately began the mitigation process. My wife and I were astounded at the speed of the whole thing! Upon completion, our adjuster visited once again to make sure we were entirely satisfied. We couldn’t have asked for better support, and the work itself was impeccable!”

Jim & Ardis, Vault Customers


Most responsive insurance experience ever. Vault responded immediately to my notice about damage to my car by another motorist. They promptly arranged for the repairs, provided a rental car during the repair period and handled the claim swiftly. Best experience I have ever had working with an insurance company.

Patricia, Vault Customer


Not many people would write a review saying that ‘I love my insurance,’ and I never thought I would be one of those people, but I am. Vault Insurance has been spectacular. Through recent engagements the company has been respectful, their representatives impeccably professional, and allowed us to continue with our lives while handling what we need to do.”

Harry, Vault Customer

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Vault Risk Services

Where Others See Risk,
We See Opportunity.

At Vault, we know risk education and mitigation are key to reducing severity of loss. Protecting your assets is more than insuring them, it’s looking at the bigger picture to reduce all possible risks. Our team of experienced Risk Advisors provide all-encompassing risk management services to help proactively protect homes and valuables from water damage, fire, theft, natural disaster and more:


Vault Claims Services

More Than a Payment Process, It’s a Life Recovery Process.

Vault Claims Adjusters do what it takes to make a difference for our customers.

Where many have dealt with nightmare scenarios and endless back-and-forth with their insurance provider following a claim, those stories are non-existent at Vault. We focus on fast, flexible, and creative solutions to help you recover and recoup your losses.

We promise to respond to claims notifications within 2 hours of initial contact. Once damages are agreed upon, payment is issued on average within 48 hrs.


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