Vault Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Vault’s currently published homeowner positioning is for affluent/high-net-worth individuals and families with luxury homes, with consumer-facing quote direction specifically for homes valued over $2 million. The standard admitted home offering is Vault Home Complete, emphasizing high-value reconstruction needs, customized coverage, risk review, and proactive mitigation support. Published optional/featured home coverages include extended replacement cost, flexible total-loss settlement, home systems protection, service line protection, sewer/drain backup, trust/LLC ownership accommodation, and family cyber. Vault also highlights water-loss mitigation/risk services, including whole-home water monitoring in its loss-prevention messaging. For more complex or difficult homes/risks, Vault publicly directs agents to Vault Custom, its E&S product, described as the most flexible option for luxury homes with unique risks, details, or design elements; this implies non-standard or higher-hazard homes may be steered to E&S rather than the core homeowners product. No detailed public class-by-class decline list, occupancy prohibitions, protection-class thresholds, wildfire rules, or construction/age restrictions were found on official public pages. Geographic notes published: products/services are not available in all jurisdictions; Vault states products are available across the U.S. through its partner network, and Florida-specific hurricane loss-mitigation premium discount information is posted for residents. Submission/broker guidance publicly available is limited but clear: quotes are requested through Vault’s quote form; agent/broker access is through appointment/application, and Vault states a Business Development Manager or associate will follow up on agent applications. Broker/producer-facing messaging emphasizes partnership on unique or difficult risks, real-time collaboration with underwriters for Vault Custom, use of a state-of-the-art system, agent login access, educational/risk-mitigation resources via the Knowledge Hub, and additional marketing support on request. Overall, the current official public guidance supports an operational appetite of high-value primary homes and affluent personal lines accounts, with complex luxury homes handled through custom/E&S underwriting, but without a publicly posted detailed underwriting appetite guide or explicit decline matrix.