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Best homeowners insurance companies in Vermont for 2024

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict  editorial integrity, this post may contain references to products from our partners. Here’s an explanation of  how we make money. Our content is backed by Coverage.com  LLC, a licensed entity (NPN: 19966249). For more information, please see our  Insurance Disclosure.

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Bankrate's insurance editorial team, which includes licensed property and casualty agents, took a close look at Vermont home insurance. We determined that the average homeowner in the Green Mountain State pays $806 annually for $300,000 in dwelling coverage — a rate that is 63 percent less than the national average of $2,153.

To help homeowners make the best decision with their own policy, we looked beyond average rate data and also analyzed coverage and discount options, digital tools, customer satisfaction scores and financial strength ratings to determine who is writing the best homeowners insurance in Vermont. Here’s what our research unveiled:

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.

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Compare the best homeowners insurance companies in Vermont

It may be difficult to know which home insurance company could provide the best coverage for your home. Our top choices — USAA, Allstate, State Farm, Travelers and Vermont Mutual — provide a strong combination of coverage types, discounts and low average premiums for Vermonters. We also looked at third-party rankings from J.D. Power for customer satisfaction and AM Best for financial strength. Most of our chosen companies came in with average rates that are below the Vermont annual average of $806 for $300K in dwelling coverage. Our sample average rates were pulled from data supplied by Quadrant Information Services. The table below includes our picks for the best Vermont homeowners insurance companies.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.

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The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

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The top 5 home insurance companies in Vermont

Best for military-focused coverage options

4.7

4.7

Avg. premium for $300K dwelling

$57/mo

Avg. premium for $300K dwelling

$687/yr

Customer satisfaction

881/1,000

Why USAA made our list: USAA consistently scores highly with J.D. Power for customer satisfaction, but it is technically ineligible for ranking as it only writes policies for active-duty and retired military members and their immediate family. The carrier offers Vermont homeowners a good range of coverage options, with military-focused coverage, like uniform insurance, included in standard policies. USAA offers a few discounts, including bundling and claims-free discounts, but local agents are limited. For the third year in a row, USAA tied for the Bankrate Award for best home insurance company overall for its high customer satisfaction scores and wealth of coverage options.

Who USAA may be good for: For Vermont residents who are active-duty members of the military, veterans or their immediate family, USAA may be worth considering.

CheckmarkPros

Close XCons

USAA home insurance policies come standard with replacement cost coverage for your personal property and $5,000 of identity theft coverage. To further bolster your protection, you can add the following endorsements:

Best for digital tools

4.2

4.2

Avg. premium for $300K dwelling

$65/mo

Avg. premium for $300K dwelling

$777/yr

Customer satisfaction

809/1,000

Why Allstate made our list: Allstate offers competitive average rates in Vermont, and homeowners may be able to choose from a wide variety of add-on coverage types. Endorsements include sports equipment coverage, electronic data recovery and even homesharing coverage for policyholders who rent their home out through Airbnb or a similar program. Homeowners may save on their rate with discounts for remaining claims-free and installing protective devices. Allstate did come in below average in the J.D. Power study, so potential customers may want to speak with existing policyholders about their experience.

Who Allstate may be good for: Homeowners who value digital policy management may appreciate Allstate's robust tools. Homeowners who rent their home out via Airbnb may also be interested in the carrier's homesharing coverage option.

CheckmarkPros

Close XCons

Allstate advertises many different policy endorsements homeowners can use to customize their policies. Some of these include:

Best for local agents

4.2

4.2

Avg. premium for $300K dwelling

$211/mo

Avg. premium for $300K dwelling

$2,532/yr

Customer satisfaction

829/1,000

Why State Farm made our list: As the largest insurer in the nation, State Farm is a well-known insurance company with local offices in 18 Vermont cities. The carrier's local agents may contribute to its high customer satisfaction score from J.D. Power. Although State Farm's average rates are more expensive than many other carriers on this list, homeowners may save on their premiums with a long list of discounts. Potential savings are available for bundling your policy and having a weather-resistant roof, among others.

Who State Farm may be good for: Homeowners who appreciate doing their insurance business with a local agent with whom they can build a personal relationship may appreciate State Farm.

CheckmarkPros

Close XCons

Compared to other national insurers, State Farm does not advertise many home policy endorsements. Policy endorsement options include:

Best for policy customization

4.1

4.1

Avg. premium for $300K dwelling

Not available

Avg. premium for $300K dwelling

Not available

Customer satisfaction

790/1,000

Why Travelers made our list: Travelers offers robust policy options that allow homeowners to customize their policies to meet their own needs. Potential endorsements include green home coverage, water backup and additional replacement cost coverage. There are a handful of ways you may save on your policy, including a bundling discount and one for protective devices such as smoke detectors. Travelers is one of the few insurers that offer both an endorsement and a discount to those who have a home that is certified green by the Leadership Energy and Environmental Design (LEED) organization. The carrier did score far below the J.D. Power segment average for customer service, which may be something to consider for homeowners who value service.

Who Travelers may be good for: Travelers may be a good choice for you if you like to tweak the details of your policy to meet your own particular needs, especially if you own a LEED-certified home.

CheckmarkPros

Close XCons

With Travelers, Vermont homeowners have options in how they choose to build out their policies. Here are just a few ways you can customize your coverage:

Best for Vermont-specific coverage options

Avg. premium for $300K dwelling

$37/mo

Avg. premium for $300K dwelling

$444/yr

Customer satisfaction

Not rated

Why Vermont Mutual made our list: Vermont Mutual is a regional insurance company headquartered in Montpelier that has been in business for nearly 200 years. As a smaller company, Vermont Mutual may not have as many endorsement options or digital tools as larger competitors, but it does advertise debris removal and identity fraud coverage add-ons. The Vermont-based carrier may have unique, boots-on-the-ground knowledge about the insurance needs of Vermont residents, and its average rates are highly competitive.

Who Vermont Mutual may be good for: Homeowners looking for a local insurance company with knowledge of the Vermont home insurance landscape may choose Vermont Mutual as their company of choice.

CheckmarkPros

Close XCons

Vermont Mutual offers a Home Broadening endorsement that bundles together several different additional coverages like water backup, scheduled personal property, debris removal and more. The Home Broadening endorsement is available in three tiers — Enhancement, Advantage and Elite — each with varying levels of protection. In addition to Home Broadening, these endorsements are also available from Vermont Mutual:

Additional Vermont home insurance companies to consider

Who this may be best for

Homeowners who want pre-packaged coverage options

The Farmers home insurance Smart Plan is available in three different tiers — Standard, Enhanced and Premier — and may be a good option for Vermont homeowners who want a more streamlined insurance shopping experience. Instead of hand-selecting which endorsements you want added to your policy, We do not have average Farmers insurance rates for Vermont, but nationally, Farmers home insurance rates are above average. This could be the case for Vermont homeowners as well.

Who this may be best for

Homeowners with multiple insurance needs

Homeowners who prefer to house multiple insurance lines (think car, home, commercial, life and small business) with one company may be interested in getting a quote from Liberty Mutual. Liberty Mutual also offers its customers multiple policy management options, including digital self-service and in-person agents. However, average rates from Liberty Mutual are not available, and it tends to score lower in J.D. Power customer satisfaction surveys.

How Bankrate chose the best home insurance companies in Vermont

At Bankrate, we understand that finding the best home insurance company is often about more than just price. In addition to average rates, we looked at coverage options, discounts, digital tools and third-party customer satisfaction scores and financial strength rankings to help you find the best company for your insurance needs. Weighing all these factors, we assigned each carrier a comprehensive Bankrate Score out of 5.0 points. This Score can help give you a holistic overview of each carrier as you narrow down your choices.

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

Cheapest home insurance companies in Vermont

 For homeowners with a tighter budget — or those who would just prefer to spend less on their home insurance coverage — Bankrate has reviewed the data from Quadrant Information Services and collated a list of the Vermont providers with the cheapest home insurance rates on average. All but two of the providers on our list offer average rates below the state average. In our research, we did not account for discounts, so keep in mind that your discount eligibility can help drive your insurance premium even lower.

Bankrate's selections for the cheapest home insurance companies in Vermont are based on average rate data from Quadrant Information Services for policies with $300K in dwelling coverage. Among the cheapest providers, we choose a balance of large and small companies to present cheap companies that meet a range of homeowner preferences.

Bankrate's selections for the cheapest home insurance companies in Vermont are based on average rate data from Quadrant Information Services for policies with $300K in dwelling coverage. Among the cheapest providers, we choose a balance of large and small companies to present cheap companies that meet a range of homeowner preferences.

How to get cheap Vermont home insurance

Even with low average rates, many Vermonters may be looking for ways to save on their home insurance policy. These strategies may help you find lower rates:

Each insurance company has its own formula for calculating rates and may weigh different rating factors differently. Requesting quotes for the same coverage types and limits from a handful of carriers may help you determine who could offer you the lowest rates for your needs.

Each insurance company has its own formula for calculating rates and may weigh different rating factors differently. Requesting quotes for the same coverage types and limits from a handful of carriers may help you determine who could offer you the lowest rates for your needs.

A knowledgeable agent may be able to help you determine if you are purchasing the right amount of coverage for your property. Reviewing your coverage selections and limits may help you understand if there are any that you would feel comfortable reducing or eliminating.

A knowledgeable agent may be able to help you determine if you are purchasing the right amount of coverage for your property. Reviewing your coverage selections and limits may help you understand if there are any that you would feel comfortable reducing or eliminating.

If you can afford to raise your deductible, you may be able to save money on your premium. Keep in mind, however, that your deductible will be taken out of any claim payment you receive from your insurer.

If you can afford to raise your deductible, you may be able to save money on your premium. Keep in mind, however, that your deductible will be taken out of any claim payment you receive from your insurer.

In Vermont, insurance companies look at your credit-based insurance score when determining premiums and tend to charge higher rates for poor credit. Improving your credit score may help you get a lower rate.

In Vermont, insurance companies look at your credit-based insurance score when determining premiums and tend to charge higher rates for poor credit. Improving your credit score may help you get a lower rate.

Compare home insurance rates

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Best home insurance discounts in Vermont

Another way to save money on your Vermont homeowners insurance may be through the use of discounts. Most insurers offer at least a few of these to policyholders, and it's one of the reasons why it may be a good idea to review your policy annually. Here are some of the common discounts you may see across multiple carriers:

How to save on home insurance policy renewals in Vermont

By the time your home insurance policy is up for renewal, it is likely that your premium will change. According to Bankrate’s analysis of rate data, the national average cost of home insurance rose considerably from 2023 to 2024. However, there are a couple of strategies you can implement to help avoid a premium increase when it is time to renew your policy.

How much is home insurance in Vermont?

The average cost of homeowners insurance in Vermont is $806 per year for $300K in dwelling coverage. That is 63 percent less than the national average of $2,153. Vermont also has some of the cheapest average home insurance rates in New England. For comparison, home insurance in Massachusetts costs an average of $1,622 per year, and in New Hampshire, it costs an average of $963 per year.

Some of Vermont’s New England neighbors may pay higher homeowners insurance premiums because they face a greater risk of hurricane damage. According to the Insurance Information Institute, 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 lower crime rate than many nearby states.

Your home insurance rates may vary from these averages based on your personal rating factors and the details of your home. The amount of dwelling coverage you have also causes rates to fluctuate.

Vermont homeowners insurance rates by city

To help you get a better understanding of what Vermont home insurance costs in your ZIP code, Bankrate created the interactive map below. You can look up ZIP codes for your neighborhood and its surrounding areas to see how home insurance costs vary across the state.

Your ZIP code plays a role in determining your premium cost. If you live in an area that has a low crime rate, for example, your rate is likely to be below average. The prevalence of disastrous weather patterns, such as hurricanes or earthquakes, may also impact your rates. Vermont generally does not see extreme weather of that magnitude, which may be one of the reasons its average rates are so low. Still, even within Vermont, some cities see lower rates than others. Here are some of the cheapest cities, on average, for homeowners insurance in Vermont:

Rates may be higher in regions that feature more high-value homes, higher crime rates or more extreme local weather patterns. These are five of the priciest average cities in Vermont for home insurance:

What does home insurance cover in Vermont?

Home insurance offers valuable financial protection, but it does not cover everything under the sun. The most common type of home insurance policy is a form HO-3. This type of home insurance policy provides coverage for your home’s physical structure, other structures on your property (like a fence or gazebo) and your physical belongings. It also provides liability insurance in case someone is injured on your property and medical payments coverage. If you need to relocate from your home temporarily due to a covered peril making your home uninhabitable, an HO-3 insurance policy also provides additional living expenses coverage.

With home insurance, it is not only important to know what is protected, you must also understand how it is protected. With the HO-3 home insurance policy, your home’s physical structure and other structures on your property are covered on an open-peril basis. This means that they are protected from any peril except the ones that are specifically excluded from your policy. Your personal property, on the other hand, is protected on a named-peril basis. This means you can only file a claim for your belongings if they are damaged by something that is listed in your home insurance policy.

Below, we’ve listed some of the most common perils home insurance covers, according to the Insurance Information Institute (Triple-I):

Additional home insurance coverage types in Vermont

In addition to the standard coverage types included in a homeowners insurance policy, some homeowners in Vermont may want additional coverage. Available as endorsements or standalone policies, these add-ons may offer coverage in areas not included in a standard homeowners insurance policy, or they may offer enhanced coverage for existing coverage types. Common endorsements for Vermont homeowners include:

Related content:

How to buy flood insurance coverage Previously Read

What is scheduled personal property? Previously Read

How much does flood insurance cost? Previously Read

Common Vermont home insurance problems

From July 10 to 11, 2023, Vermont experienced a historic level of flooding. However, according to a spokesperson from the Vermont Department of Financial Regulation, only a small percentage of Vermonters had flood insurance to help cover the damage.

Most states require potential home sellers to disclose flood risk during a trial estate transaction — but not Vermont. With climate change creating more extreme weather, Vermont homeowners could end up feeling the financial sting if another flood occurs.

Frequently asked questions

How much homeowners insurance do you need?

Although homeowners insurance is rarely mandatory unless you have a mortgage, it can provide a great deal of financial safety. When home insurance companies calculate coverage for a new client, they often start with how much it would cost to replace the home completely. That is generally considered the baseline for how much home insurance you might need, with additional coverage options for things like water backup, personal property coverage and medical coverage added afterward. If your home isn't on a mortgage, how much coverage and what types you purchase will be up to you. It's vital, though, to keep in mind that anything not covered by your policy may end up costing you out of pocket.

Although homeowners insurance is rarely mandatory unless you have a mortgage, it can provide a great deal of financial safety. When home insurance companies calculate coverage for a new client, they often start with how much it would cost to replace the home completely. That is generally considered the baseline for how much home insurance you might need, with additional coverage options for things like water backup, personal property coverage and medical coverage added afterward. If your home isn't on a mortgage, how much coverage and what types you purchase will be up to you. It's vital, though, to keep in mind that anything not covered by your policy may end up costing you out of pocket.

Home insurance needs and rates can both be highly personalized. As a result, the best home insurance company for one homeowner may not be the best for another. Experts recommend shopping around between several companies and requesting free quotes for comparison. It can help first to make a short list of companies specializing in any less common coverage you might want or need. Once your needs are lined up, you can pull quotes from home insurance companies and compare the rates offered. That allows you to specify your coverage needs and see which company will meet them at the most affordable rate.

Home insurance needs and rates can both be highly personalized. As a result, the best home insurance company for one homeowner may not be the best for another. Experts recommend shopping around between several companies and requesting free quotes for comparison. It can help first to make a short list of companies specializing in any less common coverage you might want or need. Once your needs are lined up, you can pull quotes from home insurance companies and compare the rates offered. That allows you to specify your coverage needs and see which company will meet them at the most affordable rate.

What is the cheapest homeowners insurance company in Vermont?

Since every premium is based on information that is specific to you and your property, the insurer who gave your neighbor a low rate may not be able to do the same for you. This is why most insurance experts recommend comparing several quotes from different carriers when you are looking for the cheapest homeowners insurance in Vermont.

Since every premium is based on information that is specific to you and your property, the insurer who gave your neighbor a low rate may not be able to do the same for you. This is why most insurance experts recommend comparing several quotes from different carriers when you are looking for the cheapest homeowners insurance in Vermont.

Is Vermont homeowners insurance expensive?

In general, no. Vermont homeowners tend to pay below-average rates for homeowners insurance. That said, your rates may fluctuate greatly from average premiums. The rate you pay will depend on several factors, including your personal rating factors, the location of your home, its age and construction and its proximity to a fire station. Adding optional coverage types, like flood insurance, will likely increase your rate.

In general, no. Vermont homeowners tend to pay below-average rates for homeowners insurance. That said, your rates may fluctuate greatly from average premiums. The rate you pay will depend on several factors, including your personal rating factors, the location of your home, its age and construction and its proximity to a fire station. Adding optional coverage types, like flood insurance, will likely increase your rate.

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

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