Skip to content
A sand-colored home with stone accents, surrounded by beautiful landscape and greenery, creating an inviting and harmonious exterior.

Vault Coverage

Our policies protect the extraordinary legacies of high-net-worth individuals

The Right Coverage for When Things Go Wrong

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

Our team regularly reviews and analyzes where we can reduce risks and mitigate potential dangers so you’re proactively protected.

A luxury home kitchen adorned with premium appliances, gold accents, and impeccable marble counter tops, epitomizing opulence and functionality.


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.

Luxury cars parked in line with striking red and black exterior finish, radiating a sense of style, power, and sophistication.


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.

An exclusive collection of luxury artwork adorning the wall in a home with intricate details and captivating aesthetics.


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


Excess Liability

Where there are exciting 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.

A high net worth-insured luxury home, framed by lush palm trees and featuring an impeccably designed brick driveway, epitomizing elegance.


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.

Elegantly designed luxury office space featuring sleek modern furniture, ambient lighting, creating a refined and inspiring workspace.


You’ve crafted a remarkable business with complex risks to consider. Vault Commercial provides the coverage you need to protect your business, adding color and customization to your policy to fit your unique needs.

Experience The Vault Difference

We understand our affluent customers have unique needs that do not fit into a neat box. We look at the bigger picture to provide customized solutions, exceptional service, and risk management to proactively protect your legacy.

Ready to Work with Us?

For potential customers with homes valued over $2 million:


For agents and brokers looking to partner with us, submit your application: