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Best Homeowners Insurance Agencies in Vermont

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Vermont Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

Essex Rating

Review Sources

5.0 (74)
4.9 (35)
5.0 (3)

Why choose this provider?

Chris Kasper is one of the best State Farm insurance agents catering to communities throughout Vermont. He has over a decade of experience helping clients find and obtain custom insurance policies matching their coverage needs, such as homeowners' policies with flood coverage or commercial automobile insurance for fleets of service vehicles. His agency also offers notary public and banking services. Chris is a founding member of Integrity Business Network International and previously served as its president.

Essex Rating

Review Sources

5.0 (34)
5.0 (7)

Why choose this provider?

Ashe Insurance is a second-generation family business that has been serving Vermont since 1975. It helps individuals protect their homes, family, and personal possessions through the best homeowners' insurance policy in the state. It protects clients from financial loss from liability claims involving people who have been injured in the policyholder's property and the incidents that occur away from home. The agency's president, Adam Ashe, has taken up different roles in the insurance industry such as an injury and litigation specialist and a regional claims manager.

Saint Albans City Rating

Review Sources

5.0 (169)
5.0 (107)

Why choose this provider?

The Kinney Insurance Agency serves the communities throughout Vermont. The state's top agents shop from the known local, regional, and national insurance carriers to provide clients with options tailored to their coverage needs, such as homeowners' policies with additional valuables and liability coverage or agribusiness and hobby farm insurance. They guide current policyholders through regular coverage reviews and provide claims assistance. Co-owner Drew Kinney holds the Certified Professional Insurance Agent designation from the American Insurance and Marketing Society.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Chris Kasper - State Farm Insurance Agent
159 Pearl Street, Essex, VT 5452
Ashe Insurance
8 Essex Way, Essex, VT 5451
Kinney Insurance Agency
114 Upper Welden Street, Saint Albans City, VT 5478


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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