Vault Reciprocal Exchange: History, contacts, Services, Financial Details, Membership, Claims, Ratings and Reviews

Consider Vault Reciprocal Exchange if you’re seeking a specialized and tailored insurance solution for your high-net-worth valuables.

Through a collaboration called a reciprocal insurance exchange, Vault is a business that provides high-net-worth insurance coverage.

Vault Reciprocal Exchange
Vault Reciprocal Exchange | photo courtesy | Business Wire


We shall define Vault Reciprocal Exchange, describe its operation, and discuss the advantages it provides for participants in this post.

About Crestbrook Vault Reciprocal Exchange

Vault Reciprocal Exchange is a Florida-domiciled reciprocal insurance exchange managed by Vault Risk Management Services, LLC as its attorney-in-fact.

A reciprocal insurance exchange is a type of insurance organization that is owned and financed by its policyholders, also known as members.

Vault Reciprocal Exchange works for a select group of individuals with similar assets and lifestyles in the high-net-worth space.

Table of contacts of Vault Reciprocal Exchange

Contact Type Contact Information
Phone Number 844-388-VAULT (8285)
Email Address
Mailing Address 300 First Avenue South, Suite 401, St. Petersburg, FL 33701
Website Vault


Services and products of Vault Reciprocal Exchange

Vault Reciprocal Exchange offers a range of services and products to meet the unique needs of its affluent customers.

Some of the services and products include:

Table of financial details of Vault Reciprocal Exchange

Financial Detail Value
A.M. Best Rating A- (Excellent)
Surplus Notes Issued $100 million
Reinsurance Program Comprised of highly-rated global reinsurance companies rated A- or better by A.M. Best
Member Rewards Program Allows members to participate in the excess profits of the reciprocal via surplus distributions


How to Be a Member of Vault Reciprocal Exchange?

To become a member of Vault Reciprocal Exchange, you need to meet certain eligibility criteria and sign a Subscriber’s Agreement and Power of Attorney.

The eligibility criteria include:

  • Having a minimum net worth of $5 million
  • Owning a primary residence valued at $1 million or more
  • Owning one or more luxury vehicles valued at $75,000 or more
  • Having a clean driving record and credit history
  • Agreeing to share the risks and rewards of the reciprocal with other members

The Subscriber’s Agreement and Power of Attorney is a legal document that authorizes Vault Risk Management Services, LLC to act on behalf of the members in managing the reciprocal.

It also outlines the rights and obligations of the members, such as paying premiums, receiving dividends, voting on important matters, and terminating membership.

Vault Reciprocal Exchange Claims process

The LLC claims process is designed to provide fast, fair, and hassle-free service to its members.

Some of the features of the claims process include:

Insurance solution of Vault Reciprocal Exchange

LLC insurance solution is based on a holistic approach that considers your lifestyle, preferences, and risk profile.

The Vault offers customized solutions that are tailored to your specific needs and goals.

Some of the benefits of Vault’s insurance solution include:

  • Competitive pricing that reflects your lower risk profile as a responsible high-net-worth individual
  • Comprehensive coverage that protects your assets from various perils and liabilities
  • Exceptional service that delivers prompt, courteous, and professional assistance
  • Risk management that helps you prevent losses and mitigate damages

Vault Reciprocal Exchange Coverage details

LLC coverage details vary depending on the type of policy you choose.

However, some of the common features of Vault’s coverage include:

  • High limits that can go up to $100 million for excess liability and $50 million for homeowners
  • Worldwide coverage that extends to your properties, vehicles, and collections anywhere in the world
  • Guaranteed replacement cost that pays the full cost of rebuilding or replacing your property without depreciation
  • Agreed value that pays the agreed amount for your vehicle or collection item without deduction
  • Loss prevention services that provide access to experts and resources to help you protect your assets from potential threats

Table of Ratings of Vault Reciprocal Exchange

Rating Agency Rating Outlook
A.M. Best A- (Excellent) Stable
Better Business Bureau A+ N/A
Trustpilot 4.7 out of 5 Excellent


Vault Reciprocal Exchange Customers Reviews

LLC customer reviews are mostly positive and reflect the high level of satisfaction and loyalty among its members. Here are some examples of what customers have said about Vault:

  • “Vault stands behind its customers, and is a great company!” – BC, October 11, 2023
  • “Outstanding handling of my claim. I was driving to Florida the day after the hurricane and they had a rental car waiting for me at the airport.” – Kevin Elliott, October 11, 2023
  • “It is always a joy to phone Vault. Every time I have phoned I have spoken to a courteous, knowledgeable person who has been able to answer my questions or direct me to someone who can.” – Jennifer Welham, October 11, 2023
  • “When you buy insurance, you want coverage when it matters. Vault delivered.” – Robert Moore, October 8, 2023
  • “They are truly interested and available to assist with any problem or concern one might have. They are the best!” – Marcia Bankhead, September 29, 2023


Vault Reciprocal presents a groundbreaking paradigm for safeguarding high-value assets.

Offering personalized insurance solutions, unparalleled service, and top-tier risk management, it operates on a collective principle where members share risks and rewards.

With an extensive array of offerings covering luxury residences, vehicles, prized collections, and personal liability, Vault caters to a discerning clientele.

Backed by a strong financial position, impressive ratings, and a loyal customer base, Vault stands as a reliable choice.

For those interested in becoming part of the Vault Reciprocal community, reaching out via their website or contact number is the first step towards securing a tailored insurance solution for your valuable assets.

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