Whether you collect fine art, jewelry, vintage wine, rare whiskey, couture gowns, or priceless antiques – whatever your passion, we can protect it.
Vault’s Collections insurance takes a thorough approach to protecting your collectibles, so you can worry less and enjoy more.
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 most – cherished moments, family memories, and priceless legacies.
The Right Coverage for When Things Go Wrong
Safeguarding your collections means more than an insurance policy. Affluent individuals have curated luxury collections that showcase their passions. These pieces are often one-of-a-kind, heirlooms, or limited edition – and therefore, difficult or impossible to replace.
Additionally, using these passions as investment pieces to diversify portfolios is becoming increasingly common. Because passions and profits are overlapping, it’s crucial these luxury collections be insured at their true value and proactively protected.
Typical homeowner’s policies offer limited coverage for valuable items such as fine jewelry, luxury art, and vintage wine, which may get lost, stolen, or damaged. We ensure your collection is properly insured and help you establish a maintenance plan.
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.
Newly Acquired Coverage
We provide coverage for new items to your collection, so long as they are the same class of items as on your policy. We must be notified of the new item and coverage must be requested to receive this benefit. We will provide the replacement cost of new item(s) up to the total scheduled limit for that specific collection class.
We will provide the full amount for a pair or set of jewelry or art, in the event of a loss. An agreement to surrender remaining part(s) to Vault is required for this coverage.
Vault provides coverage anywhere in the world.
Vaulted Jewelry Option
Vault offers reduced and competitive rates for rarely worn jewelry kept in a bank vault or safety deposit box.
Discounted Pricing with Updated Appraisals
Vault provides a premium discount for those who keep updated appraisals on their scheduled valuables. And we are happy to recommend qualified local appraisers for such regular assessments.
Risk Services for Your Valuables
Risk mitigation and care are key to protecting your collectibles. Vault Risk Advisors will help connect you to risk services such as valuation, appraisals, conservation, video documentation, couture garment services, and packing, storage, and transit services.