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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Chartered financial analyst
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Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Vermont residents pay some of the lowest homeowners insurance premiums in the country, averaging $996 per year for $300,000 in dwelling coverage with a $1,000 deductible. In comparison, the national average for the same coverage is $2,580 per year, according to Insurify data.
While lower premiums often indicate lower risk, choosing the right coverage is still important, as Vermont homeowners face heavy snowfall, ice dams, flooding, and windstorms.[1]
Here’s what you should know about comparing homeowners insurance quotes to find an affordable policy in Vermont.
Travelers, State Farm, and USAA are some of the top home insurance companies serving Vermont.
Travelers has the cheapest average home insurance rates in Vermont, at $68 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
While harsh winter weather and aging homes affect insurance costs in Vermont, average rates are among the lowest in the nation at $83 per month for $300,000 in coverage with a $1,000 deductible.
Many well-established insurers work with Vermont homeowners. The best home insurance company for you depends on your individual situation and coverage needs.
The five insurers listed below consistently perform well in Vermont based on coverage options, pricing, customer satisfaction, and claims handling.
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $68/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $107/mo |
Vermont is generally considered an expensive place to live, with a cost of living roughly 8% higher than the national average.[2] While Vermont homeowners insurance costs are below the national average, Travelers may suit homeowners who want reliable coverage for a low cost.
In addition to low prices, Travelers offers practical add-on coverages so you can customize a policy to your needs. It offers replacement cost coverage for your personal property, additional replacement cost coverage for your home, extra coverage for your jewelry and other valuables, and more.
Low premiums in Vermont
Several coverage add-ons
Discounts for certified “green homes”
Only one local agent in Vermont
Poor Better Business Bureau (BBB) reviews
Below-average J.D. Power customer satisfaction rating
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $73/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $109/mo |
USAA is a top choice for eligible Vermont homeowners connected to the military. Although Vermont doesn’t have a large active-duty military population, nearly 40,000 veterans live in the state.[3] For those households, USAA offers consistently low rates, high customer satisfaction, and strong claims service.
Competitive rates in Vermont for eligible members
Highest J.D. Power customer satisfaction rating
Optional add-on coverage for home sharing
Limited to military-affiliated households
No local offices
Few discounts compared to some competitors
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $96/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $141/mo |
State Farm stands out in Vermont for offering personalized service at a relatively affordable price.
Because Vermont homes are vulnerable to damage from winter storms, wind, and hail, it’s important to have coverage that suits your property’s age, location, and condition. With its large agent network in Vermont, State Farm can offer homeowners personal guidance on coverage, limits, and deductibles.
Mobile app for easy policy and claims management
Above-average J.D. Power customer satisfaction rating
Generous bundling discounts
Above-average premiums in Vermont
Fewer discounts than some competitors
Below-average J.D. Power claims satisfaction rating
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $90/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $121/mo |
Allstate is a good fit for Vermont homeowners who need coverage beyond the basics, especially since nearly 15% of Vermont homes are used as vacation homes.[4]
Allstate’s optional HostAdvantage coverage protects personal belongings while you rent out your home. It also offers discounts on housekeeping services between renters.
Optional energy-efficient replacements for damaged property
Discounts for paying on time and setting up automatic payments
Variety of optional coverages, including water backup
Below-average J.D. Power claims satisfaction rating
Below-average J.D. Power customer satisfaction rating
Limited discounts compared to some competitors
Foremost| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $101/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $167/mo |
Foremost fits Vermont homeowners with newer homes or upgraded safety systems. The company offers discounts for newer homes. You can save even more by installing protective devices like fire alarms, smoke detectors, or a security system.
Installing a self-monitored thermostat qualifies you for a discount and is especially valuable in Vermont, where winter freezes and heating failures can lead to costly damage. Foremost rewards homeowners who reduce risk up front and helps them keep premiums lower.
Plenty of local agents in Vermont
Highly customizable additional coverages and policy terms
Works with homeowners with credit problems and prior coverage cancellations
Below-average J.D. Power customer satisfaction rating
Immediate online quotes not available
Many complaints reported to the National Association of Insurance Commissioners (NAIC)
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Vermont to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
The cheapest home insurance company in Vermont is Travelers, according to Insurify data, with an average monthly premium of $68 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The table below compares average annual premiums from several of the most affordable home insurance companies in the state. The rates shown are for policies with $300,000 in dwelling coverage and a $1,000 deductible.
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| Travelers | $809 |
| USAA | $869 |
| Allstate | $1,071 |
| State Farm | $1,143 |
| Foremost | $1,202 |
Insurify partners with top insurers for real-time quotes
Homeowners insurance in the Green Mountain State averages $83 per month for $300,000 in coverage with a $1,000 deductible, according to Insurify data.
Although premiums in Vermont are relatively affordable, local conditions can affect your home insurance cost. For example, some areas face a higher risk of heavy rain and hurricane remnants, while others may see higher rates due to ice dams, heavy snow, or wildfires.
Older homes and certain construction types cost more to insure because repairs are more expensive.[5] Your premiums might also be higher if you live in an area with higher crime rates. Your deductible choice, credit history, and past claims also affect your rate.
Dwelling coverage pays to repair or rebuild your house after a covered loss. The higher your dwelling coverage limit, the higher your premium.
The table below shows average annual premiums from Vermont insurers at different dwelling coverage limits.
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Travelers | $571 |
| USAA | $631 |
| Foremost | $762 |
| Allstate | $774 |
| State Farm | $869 |
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Travelers | $809 |
| USAA | $869 |
| Allstate | $1,071 |
| State Farm | $1,143 |
| Foremost | $1,202 |
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Travelers | $1,274 |
| USAA | $1,297 |
| Allstate | $1,440 |
| State Farm | $1,678 |
| Foremost | $1,988 |
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,762 |
| Travelers | $1,833 |
| Allstate | $1,845 |
| State Farm | $2,309 |
| Foremost | $3,143 |
Home insurance costs vary across Vermont, even though the state is relatively small. Homeowners in larger cities like Burlington and South Burlington tend to pay higher premiums, while those in smaller towns often pay less.
Several local factors influence these differences. The risk of snow and ice dams varies by elevation and roof design. Access to fire protection also matters, since homes closer to fire stations are often cheaper to insure.
Older homes in historic areas cost more to repair, which can lead to higher premiums. A history of wind and water damage claims can also shape city-level pricing.
Understanding the risks your Vermont home faces helps you choose the right coverage and optional protections. The following three risks affect insurance coverage needs in the state.
Vermont experiences frequent flooding due to heavy rain, rapid snowmelt, and remnants of tropical systems.[6] A standard home insurance policy doesn’t cover flooding, so you may want to buy separate flood insurance if your property is near a river, stream, or low-lying terrain.
Severe winter storms and heavy snowfall are common in Vermont. Standard home insurance policies typically cover damage to roofs and structures from the weight of snow and ice. It also covers damage from frozen pipes, as long as you’ve taken steps to prevent your pipes from freezing.[7]
Severe thunderstorms can bring damaging winds, hail, and flash flooding. These events cause roof damage, broken windows, and siding loss.
Standard homeowners insurance typically covers wind and hail damage in Vermont, but it’s important to review deductibles and consider endorsements if you live in exposed wooded areas where storm debris might damage your home.
Vermont law doesn’t require homeowners insurance, but most mortgage lenders do. If you finance your home, your lender will require sufficient coverage to protect the structure that secures the loan. That requirement sets a minimum, but it might not be enough to fully protect you. It’s important to understand exactly what your homeowners insurance covers to ensure you’re adequately protected.
Your dwelling coverage limit should be high enough to cover the cost to rebuild your home after a total loss. This is different from the home’s market value, which includes the land. Your personal property coverage limits should be sufficient to protect what you own, especially if you have a tool collection, a home office, or high-value items.
Liability coverage limits matter too, especially in rural areas where accidents can involve visitors or farm equipment.
Standard home insurance policies don’t cover everything. You may need a separate policy to cover flood damage, and some policies require special endorsements to cover water backup.
Reviewing your coverage up front helps you avoid surprises later.
See personalized quotes from top home insurers in minutes
The Insurance Division of the Vermont Department of Financial Regulation oversees insurance companies, licenses agents, and helps consumers resolve insurance complaints.
You can contact the department for help understanding your policy, filing a complaint, or verifying whether an insurance company is operating legally in the state.
Phone number: 1 (800) 964-1784
Email: [email protected]
For more information on homeowners insurance in Vermont, see the answers to frequently asked questions below.
Homeowners insurance costs an average of $996 annually in Vermont, Insurify data shows. Your actual premium will vary depending on your home’s age and location, your policy’s coverage limits and deductibles, and other factors.
The cheapest home insurance company in Vermont is Travelers, with an average monthly premium of $68 for $300,000 in dwelling coverage with a $1,000 deductible. Rates vary by property, so the cheapest insurer for your home might be different.
No. Vermont law doesn’t require homeowners insurance. But if you have a mortgage, your lender will require you to buy coverage to protect the home securing the loan.
You can lower premiums by increasing your deductible, bundling your home and auto insurance with the same company, adding home security and safety features, maintaining good credit, and reviewing coverage limits to avoid paying for protection you don’t need.
The 80/20 rule means you should insure your home for at least 80% of its replacement cost. If you don’t, your insurance company can reduce your claim payout, even for partial losses.
In Vermont, a homeowners insurance policy with $400,000 in dwelling coverage and a $1,000 deductible costs an average of $1,284 per year. Your actual premium will vary depending on your location, local building costs, and other coverage choices.
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Featured in
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in
Travelers
USAA
State Farm
Allstate