Vault Reciprocal Exchange is updating its private passenger auto program in Maryland to reflect two new discounts.

The high-net-worth insurer is adding discounts for vehicles kept in gated communities, parking garages or offsite facilities. It is also introducing a discount for policyholders who select a 10% or 25% flood deductible.

Both discounts apply to other-than-collision coverage. Vault noted that premiums could increase if a discount is removed or circumstances change, such as where the vehicle is parked.

The insurer filed the revised policyholder notice on July 23, 2026. The related program changes carried requested effective dates of June 11 for new business and July 11 for renewals.