Vault Insurance in Florida,
the private-client reciprocal built here.

Vault in one paragraph. Vault is the marketing name of Vault Reciprocal Exchange, a Florida-domiciled reciprocal managed by Vault Risk Management Services as attorney-in-fact, with offices in Tampa, West Palm Beach, New York and Chicago. AM Best affirmed its A- (Excellent) financial strength rating in November 2025 and revised the outlook to stable, citing very strong balance sheet strength. Vault's quote request is aimed at homes valued over $2 million, and its products are Vault Custom, homeowners, auto, collections, excess liability, yacht, aviation and group personal excess liability. The application is here.

Home, auto, collections, excess liability, yacht. Vault's product list is the private-client set: Vault Custom for the household written as one account, homeowners, auto, collections, excess liability, yacht, aviation and group personal excess liability for firms. Flood is not listed as a Vault product, so on a Florida home the flood layer is placed separately, NFIP first and excess above it. A Florida company with a Florida record. Vault began writing in Florida and expanded from there. AM Best's November 2025 action notes a strategic shift after volatility in underwriting results in 2021 and 2022, and a stable outlook because that shift is working. For a Florida homeowner the useful reading is that Vault has priced Gulf Coast and Atlantic wind through two bad seasons and is still here with a stable outlook. Why the Florida fit matters more than the brand. Every private-client carrier has its own view of Florida wind. Distance to the coast, roof age and attachment, opening protection, construction and the rebuild value decide whether a given carrier will offer the home at all, what the named storm deductible will be, and whether flood has to come from the NFIP first. Section 627.7011(5) of the Florida Statutes stops an insurer from refusing a home solely for roof age under 15 years, or older with an inspection showing five years of useful life, but it does not make a carrier price a 2008 tile roof on a Longboat Key house the way it prices a 2023 one. The right carrier is the one whose appetite matches the house. How Hendrickson Insurance places it. Hendrickson Insurance is an independent agency in Sarasota, Florida. The private-client carriers on this page are quoted through the agency's wholesale private-client partner, which holds the appointments; Dennis Hendrickson builds the submission, reads the quotes and services the account. Send the current declarations pages, the home's rebuild estimate or square footage and year built, the roof year, any wind mitigation or four-point inspection, and the schedule of autos, valuables and boats. One submission goes to every carrier that fits, and the proposal shows them side by side.

Chubb (A++), PURE (member-owned, A), Private Client Select (the former AIG Private Client Group) and Berkley One (A+ group, in Florida since 2019) are quoted alongside Vault whenever the house fits more than one appetite.