Vault Custom
An easy to use and access specialty insurance solution that offers all of the same Vault benefits to owners of homes that require additional protection flexibility.
Vault Custom, an excess and surplus lines (E&S) option, lends the most underwriting flexibility and more granular pricing to homes with unique coverage needs that may be harder to place with a standard insurance market. With Vault Custom, you can insure all of your homes in one place, with the peace of mind that comes from knowing you still have the same broad coverage terms and outstanding customer service we offer all of our customers.
Fast and Knowledgeable
You won’t find any separate (cumbersome) E&S applications here. We are one speedy and responsive underwriting team and we work together to make it easier for you.
Simple Billing
Ease of doing business means being able to access all of your Vault coverage in one place and on one bill and you can choose to pay in installments if that works better for you.
Concierge Claims
The same highly trained claims team serves all of our customers, every one of them dedicated to getting you the services you need as quickly and painlessly as possible.
Coverage May Include
Guaranteed Replacement Cost
Vault covers the cost to repair or rebuild your home to its original specs, even if the cost exceeds your policy limit.
Cash Settlement Option
Don’t want to rebuild after a total loss? You can cash out instead.
Replacement Cost for Contents
In the event of a loss, we offer compensation for the contents of your home that doesn’t require the application of depreciation or even replacement of the items.
Large Loss Deductible Waiver
You can waive the deductible if it is $25,000 or less and you experience a covered loss that exceeds $50,000.
Backup of Sewers and Drains
In the event of a backup or overflow in your sewer, sump pumps or drains, coverage for resulting damages and clean-up costs may be available.
Fungi Coverage
You have an option to increase coverage for losses due to mold or bacteria up to the insured value of the home.
Loss Mitigation Reimbursement
Claims payment includes up to an additional $2,500 for the installation of an approved loss-prevention device to prevent or mitigate a similar loss.
Trusts and LLCs
If the sole purpose of the entity is ownership in a home, coverage is afforded to that entity, even if it is not listed.
Equipment Breakdown Coverage
We offer optional protection for accidental mechanical or electrical breakdowns that occur in your home’s major systems and permanently installed appliances.
Service Line Coverage
We will pay to repair homeowner-owned exterior, underground, water and sewer piping; electrical service lines, and data lines, among others.
Jewelry Coverage
We automatically include a $50,000 sub-limit for damaged, lost or stolen pieces of jewelry for policies that maintain sufficient contents coverage limits.
Identity Fraud Coverage
We reimburse up to $25,000 for expenses incurred as a direct result of identity fraud.
Personal Injury Coverage
Damages related to libel, slander and defamation are covered up to your policy limit.
Defense-Cost Coverage
All attorney fees are included outside of policy limits.
