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.
We offer compensation for the contents of your home in the event of a loss, with no applied depreciation and no obligation to replace.
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.
We extend coverage to these eligible entities.
You have an option to increase coverage for losses due to mold or bacteria, up to the policy limit.
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 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.
We offer specialized coverage for accidental mechanical or electrical breakdowns that occur in your home’s major systems and permanently installed appliances.
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.
We reimburse up to $25,000 for expenses incurred as a direct result of identity fraud.
Damages related to libel, slander, and defamation are covered up to your policy limit.
All attorney fees are included outside of policy limits.