Our roof damage claim was denied after several months of brutal storms where tiles went flying. We had interior home roof leaks. We had our handyman fix that for obvious reasons Vault tried to use t... See more
Company replied
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See what reviewers are saying
Everything has been excellent from just after the hurricane Ian hit, and you contacted us. We were at our home in Norway at that time, returned to Cape Coral in Florida by November 1st. You answered t... See more
Company replied
Fantastic experience and service. Derek Frank’s , Kenny Jarvis and Jesse were first class in every way. Had heard nightmare stories from other hurricane victims about the treatment by their insurance... See more
Company replied
As a high Net Worth Client that's paid over 120K in premiums in 3 years they just decided to pull out of the FL market as a "Catastrophic Risk" so they took the money & ran as far as I'm concerned. Th... See more
Company replied
Company details
Written by the company
Vault offers high net worth personal insurance and customized solutions for individuals and families. We’re not just insuring assets, we’re reducing risks with data-driven technology to protect what matters most – cherished moments, family memories, and priceless legacies.
Contact info
300 First Avenue South, Suite 401, 33701, St. Petersburg, United States
- 844 36 VAULT (82858)
- info@vault.insurance
- vault.insurance
3.7
Average
444 reviews
Replied to 50% of negative reviews
Typically replies within 24 hours
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If you can get some one to answer the…
If you can get some one to answer the phone, that would be a miracle. You have to jump through hoops just to get your medications. Do they even care....NO
February 20, 2026
Unprompted review
Awful Insurance
I would never recommend this company to anyone. It may be cheaper but they dont help with doctores or meds. If you need a specialist ya gotta drive 3 hrs and they still dont help. My husbands company has had many many complaints about them and they are switching to a more reliable company. They even tried to assign a nurse over me to make decisions for me so that i dont cost them anything. Sure, they will take your money but if you have a hospital stay, your screwd! Be smart and steer clear. Its a fraud.
May 14, 2025
Unprompted review
Reply from Vault Insurance
Thank you for taking the time to leave a review. It sounds like you may be referring to a different company. We are Vault Insurance, a provider of high-net-worth personal insurance, and we are not affiliated with Vault Health or any health insurance services.
We understand how frustrating healthcare issues can be, and we hope you're able to get in touch with the correct company to address your concerns. If there's anything we can help clarify about our services, feel free to reach out directly.
Wishing you the best,
The Vault Insurance Team
Hurricane Ian Claim Experience
Had significant damage from Hurricane Ian. Took 19 months before claim was completed - but every step of the process was painful. Initially, the company sent a third part that said no significant damage and therefore no further action. Ultimately, it was found that there was extensive damage that was covered under the policy. Every decision took significant time and effort to reach agreement. Even when the company hired their own engineers and specialists, when it came time to pay, there was disagreement on the findings which resulted in debate and negotiations. Calls and emails went weeks without being returned. Very bad experience and often bordered on bad faith practices.
September 28, 2023
Vault Claim Experience
Teresa Guy, who managed my claim, was kind, respectful and professional. Her approach was transparent and efficient. I am quite please and grateful for the experience.
February 29, 2024
Reply from Vault Insurance
Thank you so much for your kind words, Harry! We're thrilled to hear about your positive experience with Teresa. Our team takes great pride in providing efficient, prompt, and helpful service. Feel free to reach out if you have any more questions or need assistance in the future. We appreciate your feedback!
We DO NOT like Vault at all
We DO NOT like Vault at all! Constant issues with coverage. Making changes is nearly impossible without aggravation and frustration. All communication must be done through your insurance broker. Furthermore, there is no online platform to confirm your coverage and verify information. Can’t wait to be rid of Vault!
February 16, 2024
Reply from Vault Insurance
Thank you for sharing your feedback with us, Monica. We apologize for any inconvenience or frustration you've experienced with Vault. Your concerns regarding coverage issues, difficulty in making changes, and lack of an online platform for verifying information are duly noted. We strive to provide a seamless and user-friendly experience for our customers, and we will take your feedback into account to improve our services. If you have any further concerns or specific issues you'd like to address, please feel free to reach out to your broker directly. We appreciate your patience and understanding.
highly responsive team with quick and easy coverage reimbursement!!
had a windshield replacement - had it done at my dealer and submitted for reimbursement (as Vault had communicated with me before). Received the refund within 24 hours: hassle free and easy. highly recommend Vault!
February 16, 2024
Reply from Vault Insurance
We appreciate you taking the time to share your feedback. We are glad to hear your experience was hassle-free and easy. It is our commitment to provide exceptional service from the beginning to the end and we appreciate you recommending Vault!
great insurance
February 16, 2024
Reply from Vault Insurance
Thank you for sharing your feedback. Our commitment to providing exceptional service is at the core of what we do, and we appreciate you choosing Vault!
Golf size hail damaged our…
Golf size hail damaged our roof-verified by two independent engineers and two roof contractors. Vault refuses to pay the claim. Then cancelled us. We have major damage inside our house now because the roof damage was not repaired and is now leaking inside. Shame on VAULT. Don't believe their hype.
June 1, 2023
Unprompted review
Reply from Vault Insurance
We understand that a policy cancellation is never welcome news and may have caused hardship. Unfortunately, today’s market has faced many difficulties that have required a more diligent underwriting practice to ensure accurate risk assessment. We adhere to our policy of informing our customers and their agents about the rationale behind any cancellations and the reasoning behind all claim decisions. If you have questions, please contact your agent for more details. We appreciate your understanding.
Fast response times and good service
February 9, 2024
Reply from Vault Insurance
Thank you for sharing your feedback, David. We are glad to hear your experience was positive! Our commitment to providing exceptional service from the beginning to the end is at the core of what we do, and we appreciate your trust in us. Thank you for choosing Vault!
Vault has decided to cancel policies in…
Vault has decided to cancel policies in this area.
February 16, 2024
Reply from Vault Insurance
David, we understand that a policy cancellation is never welcome news and may have caused hardship. Unfortunately, today’s market has faced many difficulties that have required a more diligent underwriting practice to ensure accurate risk assessment. It is our policy to inform our customers and their agents of the reason for a cancellation. If you have questions, please contact your agent for more details. We appreciate your understanding.
You stopped insuring our Florida…
You stopped insuring our Florida primary residence.
February 9, 2024
Reply from Vault Insurance
Susan, we understand that a policy cancellation is never welcome news and may have caused hardship. Unfortunately, today’s market has faced many difficulties that have required a more diligent underwriting practice to ensure accurate risk assessment. It is our policy to inform our customers and their agents of the reason for a cancellation. If you have questions, please contact your agent for more details. We appreciate your understanding.
You cancelled me because of a legit…
You cancelled me because of a legit claim. Shame on you. But you did pay the claim fully and expeditiously.
Thanks for that!
February 7, 2024
Reply from Vault Insurance
We appreciate you sharing your feedback, Lewis. We are glad to hear that your claim was quickly paid in full and understand that a policy cancellation is never welcome news and may have caused hardship. Unfortunately, today’s market has faced many difficulties that have required a more diligent underwriting practice to ensure accurate risk assessment. It is our policy to inform our customers and their agents of the reason for a cancellation. If you have questions, please contact your agent for more details. We do appreciate you understanding.
I believe that Vault is the best…
I believe that Vault is the best insurance company there is. From the beginning to the end it has been amazing. I highly, highly recommend them.
January 26, 2024
Reply from Vault Insurance
Thank you so much for your recommendation, Phillip! We're thrilled to hear about your positive experience with Vault. Our commitment to providing exceptional service from the beginning to the end is at the core of what we do, and we appreciate your trust in us. Thank you for choosing Vault!
Bad experience
Poor service (no return email or call on two occasions).
Denial of coverage despite an appeal pointing to a potential grey area within an endorsement.
December 11, 2023
Reply from Vault Insurance
We are sorry to hear about your experience, John. We take your concerns seriously and apologize for any inconvenience caused. Our goal is to provide excellent service, and it's disappointing to hear that we fell short in addressing your concerns and providing the information you needed. Our team will look into this matter further. Thank you for bringing this to our attention.
Derick did an outstanding job helping…
Derick did an outstanding job helping me walk thru my claim and took away any stress to help resolve the water damage. Highly recommend Vault for homeowners insurance
December 20, 2023
Unprompted review
Reply from Vault Insurance
We're so happy to hear about your positive experience with Derick! Thank you for taking the time to share your feedback, Walter. It's our goal to make the claims process as stress-free as possible, and we're thrilled that Derick's assistance met your expectations. We truly appreciate your recommendation and are here for you whenever you need. If there's anything else we can help you with, please don't hesitate to reach out!
Damage claim isn’t taken seriously
We had many neighbors have hail and wind damage. Your company claims there were no storms in the area when the news facts show differently.
March 31, 2023
Reply from Vault Insurance
Thank you for bringing this to our attention, Katie. We take all feedback seriously and apologize for any confusion. Our team will review the information to ensure accuracy in our records. If there are discrepancies, we're committed to addressing them promptly. Your satisfaction is important to us, and we appreciate your patience. If you have any additional details or concerns, please feel free to reach out to our customer service team directly. We appreciate your understanding.
James Caylor was exceptional
James Caylor was exceptional - efficient, prompt, helpful
January 8, 2024
Reply from Vault Insurance
Thank you so much for your kind words, Marcelo! We're thrilled to hear about your positive experience with James Caylor. Our team takes great pride in providing efficient, prompt, and helpful service. If you ever have any more questions or need assistance in the future, feel free to reach out. We appreciate your feedback.
Smooth Claim Process Worked Well
Smooth Claim Process Worked Well
Our insurance agent started the Vault claim process for us. The filing and review went smoothly and timely with clear instructions emailed, helpful telephone followup, and very professional support. Well done. We had never filed a claim before and hoped not to have to. Glad to have the coverage and helpful process.
January 2, 2024
Reply from Vault Insurance
Thank you for sharing your positive experience with our insurance claim process, Jane. We are thrilled to hear that the Vault claim process went smoothly for you, and we appreciate your kind words about our team's professionalism and support. At Vault, we understand that filing a claim can be a new and potentially stressful experience, and we strive to make the process as seamless as possible for our customers.
Our claims specialist was very…customer service oriented.
Our claims specialist was very accommodating and made the entire process very easy.
December 19, 2023
Reply from Vault Insurance
Michael, we appreciate your positive feedback regarding your experience with our claims specialist. At Vault, we strive to provide exceptional service, and your feedback reinforces our commitment to ensuring a smooth and hassle-free experience for our customers. It's fantastic to hear that they were able to make the entire claims process easy and accommodating for you.
We have a water damage loss on 4/2/2023…
We have a water damage loss on 4/2/2023 - Vault hired a terrible demo company, so we ended up with a huge mold problem. it is now 12/19/2023. The 2nd demo company has NOT been paid, and the restoration company has NOT been paid. The restoration work is stopped because they aren't getting paid. Estimate was submitted in early August - it's now mid-December and Vault has NOT even reviewed their estimate, or called them to review it. I get promises for updates each week that are pushed to the following week. complete run around
December 19, 2023
Unprompted review
Reply from Vault Insurance
We understand how important it is to have your claim handled in a timely and accurate manner and apologize for the challenges and frustrations you've experienced with your water damage claim process, Deanne. With your honest feedback, we can continue to improve and grow, so issues like this don't happen in the future. This is certainly not the level of service we aim to provide and strive to make the necessary improvements going forward.
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