The arithmetic
For most clients, the box costs nothing on a net basis.
Insurers price risk by where the asset sits. Move it from a bedroom to a rated vault and the rate drops — usually by more than the rental costs.
Private, by appointment. No account relationship required to visit.
Worked example
| Assets stored at home | $1,000,000 |
| Typical homeowner’s scheduled-property rate | ≈ 2.0% per year |
| Annual premium at home | ≈ $20,000 |
| Rated-vault policy rate | ≈ 0.8% per year |
| Annual premium with assets in the vault | ≈ $8,000 |
| Annual insurance saving | ≈ $12,000 |
| Cost of a 10×10×24 box | $3,850 |
| Net annual benefit | ≈ $8,150 |
The insurance saving alone more than covers the storage. For clients holding $2,000,000 or more in physical assets, the gap widens further, because the box price is flat while the premium scales.
These are illustrative figures, not a quote. Contact your insurance broker for an analysis specific to your portfolio and coverage structure. Nothing here is tax, legal, or insurance advice.
Common questions
- Are these rates guaranteed?
- No. They are typical figures used to show the shape of the arithmetic. Your broker will quote your actual rates against your portfolio and coverage structure.
- Will my insurer accept the vault?
- Most will once you give them the facility address and the 9R rating. Ask specifically about a rated-vault endorsement.
- Is the rental fee deductible?
- For business-use assets it generally is, as an operating expense. Confirm with your accountant — this page is not tax advice.
- What if I store more than $1,000,000?
- The arithmetic gets better, not worse, because the box cost is flat while the premium scales with value.
Bring your schedule. We will size a box against it.
Tours are private and by appointment. You will see the vault door, the man-trap entry, and the box sizes in person. No account relationship is required to visit.