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

Vault Custom

Our most flexible and customizable policy for complex luxury homes

The Right Coverage for When Things Go Wrong

Vault Custom, an excess and surplus lines (E&S) option, provides the most flexibility and customization for luxury homes with unique risks, details, or design elements.

Traditional insurance has strict regulations on limits and coverage. This can lead to issues such as being underinsured or unable to find coverage if your home is deemed high-risk or too complex.

Custom coverage allows us to craft a policy around your home’s specific needs and qualities with the same level of detail, care, and support as our traditional Home Complete policy.

Coverage Highlights

Vault Replacement Cost for Contents:
We offer compensation for the contents of your home in the event of a loss, with no applied depreciation and no obligation to replace.
Vault Backup of Sewers and Drain Coverage:
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 Trusts and LLCs:
We extend coverage to these eligible entities.
Vault Fungi Coverage:
You have an option to increase coverage for losses due to mold or bacteria, up to the policy limit.
Vault Jewelry Coverage:
We include a $50,000 sub-limit for damaged, lost or stolen pieces of jewelry. The policy must maintain adequate contents coverage limits to receive this benefit.
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 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 Identity Fraud Coverage:
We reimburse up to $25,000 for expenses incurred as a direct result of identity fraud.
Vault Personal Injury Coverage:
Damages related to libel, slander, and defamation are covered up to your policy limit.
Vault Defense-Cost Coverage:
All attorney fees are included outside of policy limits.
* 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.


Based on a True Story

“I always heard the horror stories of working with adjusters and coming to terms with a damages claim. To my amazement, the people at Vault Insurance have made this post-hurricane experience easy. From their communication skills to their understanding of what I’m going through and then educating me on this process, it’s been a pleasure. They have been more akin to a relief than an obstacle to rebuild my home and life. Since the storm, I have made a point of discussing my experiences with Vault Insurance with my family, friends, and neighbors. I’m proud to be a Vault client.
– Dan, Vault Customer
“We came home to find a serious water leak in the stairwell that caused significant damage and created a mold hazard. Within hours our adjuster came to the house to make an initial assessment and immediately began the mitigation process. My wife and I were astounded at the speed of the whole thing! Upon completion, our adjuster visited once again to make sure we were entirely satisfied. We couldn’t have asked for better support!
– Jim & Ardis, Vault Customers
Not many people would write a review saying that ‘I love my insurance,’ and I never thought I would be one of those people, but I am. Vault Insurance has been spectacular. Through recent engagements, the company has been respectful, their representatives impeccably professional, and allowed us to continue with our lives while handling what we needed.”
– Harry, Vault Customer
*names and some details have been changed .

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: