Vault Insurance

Vault Insurance is a St. Petersburg reciprocal owned by its members. It insures high value homes and cars through agents. Licensed in Florida since 2017.

You can find it on our list of Florida home insurance companies. It is also on our list of Florida auto insurance companies. Its Florida company code is 32824 and its NAIC number is 16186.

Taking new policiesChecked Oct 19 Home, auto, umbrella and flood

Is Vault leaving Florida? No. It is a Florida reciprocal for high value homes, and its site posted no stop on new policies on Oct 10, 2026. As of Oct 19, 2026. Source: vaultinsurance.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

553

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A- (Excellent)

From AM Best, as of Oct 15, 2026

Complaints

1 complaint in 2025 (NAIC, nationwide)

NAIC, 2025, nationwide, homeowners

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Vault Insurance renewal go up?

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What's changed recently

  1. New attorney in fact agreement takes effect

    Vault posts an attorney in fact agreement effective January 1, 2026. That contract sets how the manager runs the reciprocal for its members. Its terms were not read.

  2. Florida OIR examines Vault through year end 2023

    Florida's Office of Insurance Regulation posted an exam of the finances of Vault Reciprocal Exchange. It covers the time through December 31, 2023. Its findings were not read.

  3. The subscribers agreement is changed

    Vault keeps a separate subscribers agreement for members who joined before October 1, 2022, which points to a revised member agreement from that date. Changes were not read.

  4. Vault expands into three Northeast states

    Insurance Journal reported that Vault, a high net worth insurer, was expanding into three states in the Northeast. This is not a Florida event. The article was not read.

See every Vault Insurance update

Rate history

No rate filings tracked yet.

Want your Vault Insurance renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

9 years in Florida

In Florida since 2017. Has paid claims through 9 hurricanes.

20182020202220242026 Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Vault Insurance side by side

Vault Insurance side by side with State Farm and Universal Property
Vault Insurance State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 553 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A- (Excellent) AM Best, Oct 15, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2017 1934 1997

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  • Universal Property Taking new policies

    Universal Property is a Fort Lauderdale company. It has insured Florida homes since 1997. It is now the second largest home insurer in Florida, sold by agents.

  • Slide Taking new policies

    Slide is a Tampa home insurer founded in 2021. It grew fast by taking on policies from Citizens, UPC, St. Johns and Farmers customers in Florida.

  • Tower Hill Taking new policies

    Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.

  • American Integrity Taking new policies

    American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.

Questions people ask about Vault Insurance

Who owns Vault Insurance?Its policyholders.

Vault Reciprocal Exchange is a reciprocal, so the members it insures own it. An attorney in fact runs it day to day under a written agreement. Vault posts that agreement on its site. The current version took effect January 1, 2026.

Source: Vault Attorney in Fact Agreement, effective January 1, 2026, seen in search results October 10, 2026

Is Vault Insurance admitted in Florida?Yes.

Vault Reciprocal Exchange, NAIC 16186, is a Florida based insurer. Florida's Office of Insurance Regulation has posted financial exams of it dated 2019, 2021 and 2023. OIR runs those exams for insurers based in Florida.

Source: Florida OIR financial examination report library, report titles seen October 10, 2026

Is Vault Insurance the same as Vault Reciprocal Exchange?Yes.

Vault Insurance is the brand on vaultinsurance.com. The insurer behind its Florida home policies is Vault Reciprocal Exchange, NAIC 16186. That is how Florida's Office of Insurance Regulation lists it. The source is its market report for July 31, 2026.

Source: OIR exam report title, as of 12/31/2023; OIR Market Intelligence Report, July 31, 2026 data

What does Vault insure in Florida?Homes, mainly higher value ones.

Florida's market report shows 553 Vault personal residential policies on July 31, 2026. Insurance Journal has described Vault as a high net worth insurer.

Source: Insurance Journal, May 1, 2019 headline; OIR Market Intelligence Report, July 31, 2026 data

What is the Vault claims phone number?Call 844-388-5677, also written 844-388-LOSS, available 24/7.

For general questions, call 844-368-2858, also written 844-36-VAULT. Roadside help is 833-741-1141.

Source: Vault claims and contact pages, read Oct 10, 2026

Still deciding? Let us shop your Vault Insurance renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Vault Insurance reviews and complaints: what the public data shows

Vault Insurance rating

A- (Excellent) from AM Best, as of Oct 15, 2026.

Complaints
1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2017 (9 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.