Vault Reciprocal Exchange has filed its annual rate update in Florida, proposing an overall premium decrease of 5% for its personal lines auto program. The filing was submitted on December 31, 2025, with changes effective for new business as of December 1, 2025, and renewals beginning January 1, 2026.

As of September 30, 2025, the program included 467 in-force policies representing approximately $4.1 million in written premium. Vault continues to position the offering toward high net worth individuals and explicitly benchmarks its program against PURE, citing a similar customer profile and reciprocal operating structure.

Vault notes that its own experience data remains volatile following its 2021 separation from Allied World, prompting continued reliance on PURE’s expense assumptions and loss development factors as a proxy.