Vault Home Complete
We designed our Homeowners policies to protect the extraordinary quality, customization and design in high net worth homes.
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 most – cherished moments, family memories, and priceless legacies.
The Right Coverage for When Things Go Wrong
Affluent individuals have curated luxury homes requiring higher quality and expertise to rebuild and replace. Coverage needs to adapt to changes in construction costs to ensure the replacement coverage protects all assets.
“Replacement cost” is the term used for the cost to rebuild a home in today’s market with like quality, design, and materials. Having an accurate replacement cost on the policy ensures the home is rebuilt to its original quality.
Where other insurers offer black and white coverage, Vault offers a blank canvas for customized policies tailored to our customer’s needs. We look at the big picture of our customer’s life, not only the home we are insuring. We analyze where we can reduce risks and provide the resources and tools to mitigate potential dangers, so you’re proactively protected.
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.
Coverage Highlights
Replacement Cost Coverage
We ensure your replacement cost coverage protects all assets, covers high quality materials, and specialty labor needed to rebuild your home with like quality, design, and materials.
Flexible Claim Settlement Options
In the event of a total loss, Vault will either pay to have your house rebuilt, or offer you a cash settlement for the full cost of damages (up to the limit of the policy), with no obligation to replace or rebuild.
Home Systems Protection
We offer specialized coverage for accidental mechanical or electrical breakdowns that occur in your home’s major systems and permanently installed appliances.
Service Line Protection
You are responsible for the outdoor service lines from the street to your house. Vault provides coverage for exterior, underground, water and sewer piping, electrical service lines, and data lines, among others.
Coverage for Sewer and Drain Backups
In the event of a backup or overflow in your sewer, sump pumps or drains, we provide coverage for resulting damages and clean-up costs.
Identity-Theft Expense Coverage
If you are the victim of identity theft during your policy period, Vault will reimburse up to $25,000 for related expenses.
Loss-Mitigation Resource & Claims Benefit
Vault provides risk mitigation and education services to help prevent damages from happening in the first place. However, in the event of an incident resulting in property damage, we’ll pay up to $2,500 to install an approved loss-prevention device to protect your home against recurrences.
Automatic Coverage for Trusts and LLCs
If your home is included within a trust or LLC, we will extend coverage to your home within that entity.
* Not all products and services may be available in all jurisdictions and the terms and conditions of all products are subject to the applicable policy language.
** Notice of Premium Discounts for Hurricane Loss Mitigation: Florida residents may be eligible for discounts to reduce their hurricane wind premium. Learn more here.
The Texas Winter Freeze caused massive damage to their home. John* wasn’t prepared.
In 2021, Winter Storm Uri blasted through Texas, bringing in cold weather unlike anything the state had ever experienced.
Our customer, John, and his family lost power for days. Their pipes froze and burst, flooding from the ceiling and causing $101K of damages. All drywall and flooring had to be removed as infrared scanners showed immense water damage behind walls and under all floors. John and his family saved what they could, put their belongings in storage, and left their home. It took more than 6 months to rebuild while the water damage was gutted, mold remediated, and rebuilt.
To prevent a repeat nightmare scenario, Vault installed a Flologic whole home water monitoring system, which would detect water leaks.
When a cold front hit Texas again in 2022, John’s pipes once again burst. But this time, the Flologic system saved his home by stopping the leak and shutting off the water. Only $3,500 in damages occurred, and John didn’t have to leave his home.
*names and some details have been changed
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.
