Vault Custom
Our most flexible and customizable policy for complex luxury homes
Coverage Highlights
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.
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.
Trusts and LLCs: We extend coverage to these eligible entities.
Fungi Coverage: You have an option to increase coverage for losses due to mold or bacteria, up to the policy limit.
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.
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.
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.
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.
Identity Fraud Coverage: We reimburse up to $25,000 for expenses incurred as a direct result of identity fraud.
Personal Injury Coverage: Damages related to libel, slander, and defamation are covered up to your policy limit.
Defense-Cost Coverage: All attorney fees are included outside of policy limits.
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