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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Updated Nov 07, 2022 Find your perfect provider
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Collapse Caret Up Whether you are buying a historic home in downtown Manchester or a modern dwelling in a Burlington suburb, you may want to protect your investment with a homeowners policy. Luckily, Vermont home insurance is relatively affordable comparatively. There are dozens of in The Green Mountain State, and they each have upsides and downsides. When shopping for home insurance in Vermont, it is important to consider average rate, coverage options, discounts available, customer service reviews and third-party ratings from reputable research firms. Collapse On This Page
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first. On This Page
According to Bankrate's 2021 study of quoted annual premiums, the average cost of homeowners insurance in Vermont is $686 per year for $250,000 in dwelling coverage. Whether you are buying a historic home in downtown Manchester or a modern dwelling in a Burlington suburb, you may want to protect your investment with a homeowners policy. Luckily, Vermont home insurance is relatively affordable comparatively. There are dozens of in The Green Mountain State, and they each have upsides and downsides. When shopping for home insurance in Vermont, it is important to consider average rate, coverage options, discounts available, customer service reviews and third-party ratings from reputable research firms. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form According to Bankrate's 2021 study of quoted annual premiums, the average cost of homeowners insurance in Vermont is $686 per year for $250,000 in dwelling coverage. Whether you are buying a historic home in downtown Manchester or a modern dwelling in a Burlington suburb, you may want to protect your investment with a homeowners policy. Luckily, Vermont home insurance is relatively affordable comparatively. There are dozens of in The Green Mountain State, and they each have upsides and downsides. When shopping for home insurance in Vermont, it is important to consider average rate, coverage options, discounts available, customer service reviews and third-party ratings from reputable research firms. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form According to Bankrate's 2021 study of quoted annual premiums, the average cost of homeowners insurance in Vermont is $686 per year for $250,000 in dwelling coverage. Whether you are buying a historic home in downtown Manchester or a modern dwelling in a Burlington suburb, you may want to protect your investment with a homeowners policy. Luckily, Vermont home insurance is relatively affordable comparatively. There are dozens of in The Green Mountain State, and they each have upsides and downsides. When shopping for home insurance in Vermont, it is important to consider average rate, coverage options, discounts available, customer service reviews and third-party ratings from reputable research firms. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Best home insurance companies in Vermont
It can be difficult to know which home insurance company one can provide the best coverage for your home. Our top choices provide a great combination of coverages, discounts and price for Vermonters. Our sample average rates were pulled from Quadrant Information Services. The table below includes our picks for the best home insurance companies in Vermont: Home insurance company Average annual premium for $250k dwelling coverage J.D. Power score $560 829/1,000 Concord Group $533 Not rated $989 829/1,000 $774 Not rated $399 Not rated This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Key takeaways North Carolina homeowners pay an average of $1,317 per year for a policy with $250,000 in dwelling coverage. North Carolina Farm Bureau and Travelers offer some of the cheapest average rates in the state. You may want to consider the specific types of common damage in your area when shopping for North Carolina home insurance. Allstate
Allstate's home insurance policies are very affordable, with an average rate of $503 per year for $250,000 in dwelling coverage. Vermont homeowners get access to a wide variety of add-on coverages, like a disappearing deductible and a claims-free reward program. Allstate also sells and coverage for Vermonters who rent their home out through platforms like Airbnb. Learn more: Concord Group
Concord Group is another local insurance company that offers below-average rates for Vermont homeowners. Concord Group stands out for its impressive lineup of , like guaranteed dwelling replacement cost coverage and a green endorsement that pays to rebuild your home with eco-friendly materials. The company also offers for homeowners who want to save even more money on their insurance policy. State Farm
State Farm is a well-known insurance company that has local offices in . The company has great coverage and discounts, plus helpful online tools, like a calculator that helps you decide . The policies are more expensive than average, but the company is rated highly for overall customer satisfaction by and it has excellent financial strength, with an A++ rating from . Learn more: Union Mutual
Union Mutual is a local insurance company with great customer service, reasonable rates and . Vermonters can take advantage of savings for being a loyal customer, bundling policies, having a permanent generator installed in their home, having a standing seamed roof and owning a home in superior condition. Union Mutual also offers many endorsements, including secondary and seasonal home coverage. Learn more: Vermont Mutual
Vermont Mutual is a small property insurance company that is headquartered in Montpelier and has been in business for more than 190 years. Vermont Mutual has extremely affordable rates, with an average premium of $378 per year for $250,000 in dwelling coverage. In addition, Vermont Mutual offers a few for homeowners who want to design a policy that fits their unique needs. Learn more: How much is homeowners insurance in Vermont
The in Vermont is $686 per year for $250K in dwelling coverage. That is significantly cheaper than the United States national average premium of $1,312 per year. Vermont also has the cheapest home insurance rates in New England. For comparison, home insurance in Massachusetts costs an average of $1,307 per year and in New Hampshire, it costs an average of $724 per year. Vermont’s New England neighbors pay higher homeowners premiums because they face a greater . According to the , no Vermont homes face storm surge risk, while nearly 152,000 Massachusetts homes are at risk of a Category 4 hurricane. Vermont also has a than most nearby states. Home insurance in Vermont
All things considered, Vermont tends to be a safer state for homeowners. However, there are certain losses that Vermont homeowners should be aware of. Choosing the right home insurance coverages can help protect your home against various risks. Common causes of loss in Vermont
There are several common risks that Vermont homeowners might face: Water damage: This traditionally occurs from melting snow and ice. However, is altering the course of Vermont’s rivers. It is creating a greater flood risk for homeowners in low-lying areas. Hail and wind storms: Windstorms and tropical storms can also create damages in your home. In 2011, damaged or destroyed 3,500 Vermont homes. It caused more than $700 million in losses. Snow and ice: Vermont’s northern location makes it prone to harsh winters. Heavy snow and ice can easily cause roof and foundation damage. It is important to ensure that your insurance policy includes reliable coverage from winter hazards, like snow and ice. Home insurance coverage options in Vermont
Standard insurance policies provide the coverages most Vermont homeowners need, including dwelling, personal property, liability and loss of use insurance. However, Vermont homeowners may benefit from adding some additional coverages to their policy, including: Flood insurance: Flood insurance is not included in the standard home insurance policy. Not all insurance providers offer it, either. If you cannot find a provider, you can from FEMA’s National Flood Insurance Program. Valuables insurance: While most policies will include coverage for personal belongings, there are limits to what they will cover. Without adequate coverage, you could be left with the bill should you ever experience damages or a loss. If you have expensive valuables, talk to your agent about what coverage is right for you. Identity theft/fraud coverage: As the world continues to go digital, identity theft and fraud protection is more important than ever. Thankfully, many providers offer this coverage. Ask to see whether it is something included with your policy or an additional feature at an extra cost. Personal property replacement cost coverage: No one likes to lose their belongings. However, it is that much more heartbreaking when you do not have the right insurance. Personal property replacement cost coverage can ensure that you receive today’s pricing for yesterday’s favorite token. Frequently asked questions
Based on our research, Concord Group offers the best combination of homeowners insurance coverages, discounts and affordable rates for Vermonters. Union Mutual also offers great discounts and optional coverages, like guaranteed home replacement cost coverage and equipment breakdown coverage.
Start your home insurance search by requesting quotes from our top four insurers. Most major home insurance companies provide quotes over the phone or online. And several companies operate local offices, where you can sit with an agent and discuss your coverage options.
No. Vermont homeowners pay below-average rates for homeowners insurance. The rate you pay will depend on several factors, including, the location of your home, its age and construction and its proximity to a fire station. Adding optional coverages, like flood insurance or home office coverage, will increase your rate, but provide greater protection.
For the best protection, make sure your policy includes dwelling, other structures, liability, loss of use and personal property coverages. You may also want to add a few optional coverages, like personal property replacement cost coverage and identity theft protection, to maximize your protection. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers.