Vault Insurance Company 2026 | Ratings & Reviews

Vault Insurance Company

Founded in 2017, Vault Insurance focuses on insuring high-value homes and providing customized coverage for individuals and families with complex insurance needs. The company began by serving high-net-worth customers and has since expanded its range of personal and commercial insurance products.

Vault is a marketing name used by Vault Reciprocal Exchange, Vault E&S Insurance Company, Vault Risk Management Services, LLC, and affiliated entities. The company or entity that provides a policy may depend on the product, property and state. Prospective customers should verify the underwriting company and policy terms with a licensed agent before purchasing coverage.

Vault primarily serves owners of high-value properties. Its current website invites prospective personal-lines customers with homes valued above $2 million to request a quote. This threshold should not be treated as a guarantee of eligibility because underwriting requirements, product availability and bundling rules can vary.

Founders and Current Leadership

Vault was launched in 2017 by a team with experience in the high-net-worth insurance market. Charles Williamson previously served as the company’s co-founder and CEO and had held a leadership position with the American International Group (AIG) Private Client Group.

Vault’s current leadership page identifies Scott Carmilani as CEO and executive chairman and Paul Bassaline as president. Because executive positions can change, readers can review the company’s current leadership information directly on Vault’s website.

Where Is Vault Insurance Available?

Vault offers insurance through a network of appointed agents and brokers, but the availability of a particular product should not be assumed solely because the company operates in a state. Eligibility may depend on the state, type and value of the property, underwriting requirements and whether another Vault policy is also purchased.

For example, Vault’s online quote process states that in some states auto, collections, excess liability and yacht insurance may only be available as part of a package with qualifying home insurance. Consumers should use the company’s quote process or contact an appointed agent to confirm what is currently available in their location.

Availability can be especially complex in catastrophe-prone markets. Florida, for example, has experienced insurer withdrawals, underwriting restrictions and substantial changes in property insurance availability. Homeowners in the state can review our explanation of the Florida home insurance market, but they should still confirm Vault’s current eligibility rules directly with an appointed agent.

Vault Insurance Coverage

Vault Insurance specializes in insurance for high-value homes, but it also offers other products designed for customers with specialized or complex coverage needs. Current product categories include:

• Auto insurance – Vault targets high-end, luxury, collector and performance vehicles that may require broader protection than a standard auto policy. Coverage, limits and eligibility depend on the policy and state.
• Collections – Coverage may be available for art, jewelry, wine, antiques and other valuable collections. Policyholders should review valuation requirements, exclusions, deductibles and whether coverage applies away from the insured residence.
• Homeowners insurance – Vault policies are intended primarily for homes with a high value. Policies may include broader or more flexible coverage than standard homeowners insurance, although the actual protection depends on the policy form and endorsements selected. Consumers unfamiliar with the basic coverage can also review our guide to home insurance.
• Excess liability – Provides liability limits above the limits of an underlying auto or homeowners policy, subject to the policy’s requirements, exclusions and covered activities.
• Vault Custom – An excess and surplus lines, or E&S, option intended for high-value homes with unusual risks, complex features or insurance needs that may not fit a standard admitted homeowners policy.
• Other specialized products – Vault also advertises yacht, aviation, group excess liability and commercial insurance. Availability and eligibility vary.

Customized Vault Policies

Vault’s primary goal is to provide individualized protection plans for affluent customers whose homes, vehicles or collections may not fit within standard policy limits. Depending on the product and policy form, customers may have access to enhanced coverage, higher limits and specialized risk-management services.

One potential example is a flexible claims settlement option. Some high-value homeowners policies may provide the option to receive a cash settlement after a covered loss instead of rebuilding the home. However, this option is not automatically included in every policy. Its availability, calculation and limits depend on the policy language, endorsements and circumstances of the claim.

Vault may also offer deductible options and specialized protection for jewelry and other valuable property. Because deductibles, sublimits and waiver provisions can change and may differ between policies, customers should obtain the current terms in writing rather than relying on general coverage descriptions.

Vault Auto Insurance

Vault’s auto insurance is intended primarily for luxury, high-value, collector and performance vehicles. Depending on the state and policy selected, available features may include:

• Agreed-value or other specialized vehicle valuation options
• Liability protection with higher available limits
• Coverage for damage to a vehicle
• Roadside assistance
• Rental car reimbursement or temporary transportation coverage
• Coverage designed for collector, exotic or performance vehicles

These are general examples and should not be interpreted as a list of benefits included in every policy. Anyone who would like to learn more can review Vault’s current auto insurance information and ask an agent for the applicable policy form, limits, exclusions and endorsements.

Who May Consider Vault Insurance?

Vault may be worth considering for someone who owns a high-value or unusually designed home, several luxury vehicles, valuable collections or other assets that could exceed the limits of a standard policy. It may also be relevant when a homeowner needs an E&S policy because the property does not qualify for standard admitted coverage.

It is less likely to be appropriate for consumers seeking minimum coverage, the lowest available premium or a conventional policy for a moderately priced home or vehicle. Vault does not publish enough pricing information to conclude that it is cheaper or more expensive than a particular competitor. The only reliable comparison is based on quotes with similar limits, deductibles, endorsements and valuation terms.

Vault’s Website

The company’s website provides information about its insurance products, contacting agents and requesting quotes. Vault customers can also access policy-related services through the appropriate customer portal or contact the company for assistance.

To report a claim, Vault currently provides a 24-hour claims telephone number and separate contact options for roadside assistance, glass and yacht claims. Customers should use the contact information on their policy documents or Vault’s official claims page, because claims procedures and service providers can change.

Before choosing any company, consumers should compare home insurance quotes using equivalent coverage limits, deductibles and endorsements. A lower premium does not necessarily provide comparable protection.

Vault Ratings and Reviews

AM Best affirmed a Financial Strength Rating of A- (Excellent) and a Long-Term Issuer Credit Rating of “A-” (Excellent) for Vault Reciprocal Exchange and Vault E&S Insurance Company in November 2025. AM Best also revised the outlooks from negative to stable. According to the rating agency, the assessment reflects a very strong balance sheet, adequate operating performance, a limited business profile and appropriate enterprise risk management. Readers can review the AM Best rating announcement for context.

A financial-strength rating evaluates an insurer’s ability to meet its ongoing insurance obligations; it does not measure policy prices, coverage quality or an individual customer’s claims experience. Ratings can also change, so consumers should confirm the current rating before purchasing or renewing a policy.

Public customer comments include both favorable and unfavorable claims experiences, but isolated reviews do not provide enough evidence to determine how most Vault policyholders are treated. Review platforms can contain small, self-selected or unverified samples. For that reason, we do not assign Vault an overall customer-satisfaction verdict based solely on individual online comments.

Potential Advantages and Limitations

• Potential advantages: specialized coverage for high-value property, higher available limits, coverage for valuable collections, E&S options and access to risk-management services.
• Potential limitations: strict underwriting requirements, possible home-value thresholds, state-specific availability, potential bundling requirements and no publicly available pricing that would establish whether Vault is competitive for a particular customer.

Final Thoughts

In the high-end insurance market, Vault is a relatively new insurer, but its leadership team has substantial insurance-industry experience. The company focuses on personalized coverage for high-value homes, vehicles, collectibles and other specialized risks.

Vault may be a reasonable company to include in a comparison if you own a high-value home or have assets that are difficult to insure under a standard policy. That does not mean it is automatically the best choice. Before purchasing coverage, compare the proposed policy with alternatives using the same limits, deductibles, valuation method, exclusions and endorsements, and confirm which Vault entity would issue the policy.