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

Vault Home Complete

Protect the extraordinary quality, customization, and design in your luxury home

The Right Coverage for When Things Go Wrong

Affluent individuals have curated luxury homes requiring higher quality and expertise to rebuild and replace. Your coverage needs to adapt to changes in the market to protect all assets.

Our team regularly reviews and assesses your coverage to ensure your policy provides peace of mind. And we analyze where we can reduce risks and mitigate potential dangers so you’re proactively protected.

Coverage Highlights

Vault 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. 
Vault 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.
Vault 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.
Vault 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.
Vault 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.
Vault 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.
Vault 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.
Vault Automatic Coverage for Trusts and LLCs:
We extend coverage to these eligible entities.
* 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, stored their belongings, and left their home. It took more than six months to rebuild while the water damage was gutted, mold remediated, and rebuilt.

To prevent a repeat nightmare scenario, Vault installed a whole home water monitoring system to detect water leaks.

When a cold front hit Texas again in 2022, John’s pipes once again burst. But this time, the water monitoring 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
Beautiful living space with floor to ceiling windows showcasing a winter wonderland outside.

Experience The Vault Difference

Why choose Vault? Because we offer exceptional customer service, the fastest claims response time, and industry-leading custom insurance solutions.

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: