If you’re looking for high-net-worth insurance, we at Vault have you covered. We started Vault in 2017 to meet the unique needs of affluent individuals. We structured ourselves since the beginning to provide customizable solutions for game-changing insurance policies.
But don’t just take our word for it – hear it straight from our clients and brokers about why the Vault Difference is so impactful.
Here’s why we’re the best for high-net-worth home insurance:
Vault vs. The Competition: What the Data Says
We looked at the average review score for ourselves and our competitors in the high net worth market. We included review platforms such as TrustPilot, Clearsurance, and WalletHub reviews, as well as BBB and AM Best ratings.
On an aggregate scale of 1-10, we averaged 8.93 across all review platforms compared to our competitors’ median average of 7.48.
We maintain such a high aggregate review because we strive to deliver an exceptional experience every step of the way, from quotes to claims resolution.
Many of our competitors in the high net worth insurance market don’t respond to their reviews – positive or negative. What are some of the most common complaints? Difficulty in processing claims, policies dropped without notice or poor customer service experiences.
The Vault Difference is shown in our customer reviews. We’re providing the white glove service we pride ourselves on every time. We’re excelling because we know how to connect and take care of our customers. And it’s put us at the top of the pack for customer satisfaction in high-net-worth insurance.
Vault Insurance Rating: What Our Customers Are Saying
Our Vault Insurance policies have received rave reviews. We've stepped up in the face of severe weather damage, from the Texas snowstorm to Hurricane Ian.
While our competitors have been plagued with reviews of failed timeliness and poor service during devastating catastrophes, our customers have repeatedly shared how we went above and beyond to take care of them:
“Extremely happy with how Vault handled our claim from Hurricane Ian. Our house had extensive damage, and they were quick, responsive, and very fair in handling the claim. Rich, our adjuster, was extremely helpful. They are head and shoulders above all other companies.” – Jim McNeil, ☆☆☆☆☆
“We could not have been more pleased with how Danielle Thomas handled the situation for us. Your company does an unbelievably good job when your customers have problems. We could not be more impressed with how Vault takes care of their customers.” – Joseph Hinds, ☆☆☆☆☆
“Everything has been excellent from just after Hurricane Ian hit and you contacted us. We were at our home in Norway at the time and returned to Cape Coral in Florida by November 1st. You answered telephone calls and emails immediately. The adjuster did an excellent job before we returned to Florida, and we got the payment right after. Nothing could have been better. We are impressed.” – Arne Grip, ☆☆☆☆☆
“Vault Insurance is awesome! We lost a number of items as a result of Hurricane Ian and had to submit a claim to Vault. We have heard all the insurance claim horror stories, and since we have never made an insurance claim, we were concerned. Our Claims Adjuster, Derek Franks, was unbelievably responsive, professional, and easy to deal with. Our claim was settled almost immediately.” – Axel Rasmussen, ☆☆☆☆☆
“I never imagined an insurance company would provide the level of service Vault did during my recent loss! It seemed like my adjuster (Donnie) was dedicated to just me, although I know he had to be very busy given the recent storm in Florida. Although the loss of my car collection was very sad, Donnie made the claims resolution process painless. Thank you!” – Brett Bean, ☆☆☆☆☆
“We were severely impacted by Hurricane Ian. The Vault team helped get cleanup crews and generators in to save my home. They’ve expedited getting the right adjusters out to assess. Communication has been flawless. Highly recommend this company.” – Tammy, ☆☆☆☆☆
“Most responsive insurance experience ever. Vault responded immediately to my notice regarding damage to my car by another motorist. They promptly arranged for the repairs, provided a rental car during the repair period, and handled the claim swiftly and without challenge. Best experience I have ever had working with an insurance company.” – Patricia Young Brown, ☆☆☆☆☆
“Our son was in a car accident away at college. Not living close to his school, we relied on our Vault claim manager, Christopher Smith, to guide our son through this nerve-racking and stressful situation. He took excellent care of our son and his car. Christopher also did a lot of hand-holding, keeping me in the loop so I wouldn’t worry. His personal service went above and beyond to ensure that our family was well taken care of. Christopher has earned our gratitude and continued business. Thank you!” – Traci P., ☆☆☆☆☆
“House is back to 100%. We had significant water damage to our floors and were forced to move out for three months. Vault and our rep Derek F were extremely helpful in setting us up in temporary quarters and ensuring the work was done to our satisfaction. Vault exceeded our expectations.” – David S., ☆☆☆☆☆
“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 need to do.” – Harry, ☆☆☆☆☆
“We found Vault exceptionally understanding of our situation. They acted promptly and efficiently and expedited the emergency actions required. As well, their appraiser was very courteous and reasonable in reviewing the extent of the damages. Upon completion of the emergency work, they made payment promptly and left the door open for additional compensation if unforeseen damages were encountered. We would highly recommend them.” – Raymond Finley, ☆☆☆☆☆
Vault Insurance Careers: What Our Brokers and Agents Are Saying
We take pride in creating a company centered on our greatest asset: our people. And that includes our partners, the brokers and agents we work with, to provide the high service level we offer our customers.
Thinking about working with us? Here’s why you should:
“I love working with my Vault team. They help me take great care of my high net worth customers with great options and competitive pricing.” – Katina Stewart, ☆☆☆☆☆
“Vault was a showstopper for our clients after the February 2021 ice and snow event in Texas. Hands down, best claim experience of all the premium insurance companies during that time period when clients were in the most need!” – Hanna Ogle, ☆☆☆☆☆
“I have had a wonderful experience working with my marketing and underwriting team. They are responsive, proactive in communication, and eager to write business!” – Erin, ☆☆☆☆☆
“Vault is one of the best. The underwriters we work with are fantastic. We love working with Vault.” – Brian Siequist, ☆☆☆☆☆
“Vault is one of my favorite carriers because of the high quality and high integrity of everyone there. From service reps to marketing reps, or working with our underwriters – it is an absolute pleasure working with Vault.” – Amy Harris, ☆☆☆☆☆
“Vault Insurance has been a great partner in the hard market in CA. We appreciate their dedication to sourcing hard-to-place property solutions in CA and across the US!” – Joseph Viramontes, ☆☆☆☆☆
“Vault Insurance has exceeded its promise to provide superior service and competitive pricing for our high net worth clients. The people at Vault are very nice and helpful. Great partner!!” – Dick Gibbs, ☆☆☆☆☆
“Vault is built for today’s needs of high net worth clients.” – Rick Davis, ☆☆☆☆☆
“Vault has been one of the most valuable new partners for my clients and our agency. The support they provide their agents is truly unrivaled. My favorite part about writing new business with Vault is the opportunity to engage one of their incredibly knowledgable and personable reps.” – Max Ieuter, ☆☆☆☆☆
“Vault is one of the classiest insurance companies we have ever worked with. Very responsive and explain why (or why not) they take the action they do. And some of the friendliest people in the industry!” – Jeffrey Mohr, ☆☆☆☆☆
Vault AM Best Rating
But what about our financial strength? That’s where AM Best comes in. AM Best is the largest credit agency in the world. They assess and review businesses for their financial strength, which is especially crucial in the insurance market.
Some of our competitors have dropped in the AM Best rating – especially in the highly volatile Florida market, where six insurance companies collapsed in 2022 alone.
But we built and structured ourselves for these market conditions and continue to thrive.
As a result, AM Best has given Vault a Financial Strength Rating of A- (Excellent) and rated our balance sheet as strong.
The Vault Difference
So, what puts us ahead of the game?
It’s how we focus on best-in-class customer service and claims response.
We promise to respond to claims made within 2 hours of being notified and average a 48-hour payout timeframe. Our claims and payout response is more than 5x faster than the average of our competitors.
We also know that claims are brought to us in your most dire, frenzied, and traumatic moments. That’s why you’ll immediately speak to the right person to deploy services. Our team approaches every claim with empathy, concern, and care. And it shows in our customer responses.
As part of our Vault risk management services, we help our customers protect their homes and valuables to mitigate risks before they arise.
Vault E&S Insurance Company: How We Offer Creative Solutions
Vault high-net-worth insurance was built to change the industry standards. While most companies have operated on traditional, admitted policies, we have prioritized custom solutions through E&S (excess & surplus) insurance.
What does that mean for you?
It means even in difficult market situations as we’re seeing now, we’re designed to withstand and excel. We make custom, creative policies simple through our unique specialty in E&S underwriting. We’ve made creating these policies seamless and speedy.
While most insurers are just now shifting toward E&S as a response to market conditions, we’ve been doing it from the start. And that’s why we’re the experts and leaders in custom insurance policies that meet our affluent customers’ needs.
Ready to join us?
Request a quote from one of our agents.
Or join the team! Learn more about careers with Vault and becoming an agent.
