The Best Homeowners Insurance in Vermont [2023]


Find a top-ranked Homeowners Insurance Agency in your area

Vermont may be one of the least populated states in the country, but it's definitely one of the most charming. The Green Mountain State is filled with small towns, artisan foods like beer and cheese, gorgeous fall foliage, and some of the best skiing in the country.

But the reason Vermont has the best skiing — it sees more snow in a year than any other state — can wreak havoc on your home. If you don’t have quality homeowners insurance, you can pay heavily when snow and ice damage your home. has examined your homeowners insurance options in Vermont, and we’ve identified the best options to help you pick the perfect coverage option for your unique home.

Average Cost of Homeowners Insurance in Vermont

Vermont has one of the lowest homeowners insurance rates in the country. According to ValuePenguin, the average homeowners insurance in Vermont is $680 per year, which is significantly less than the national average of $1,516. 

A few factors can affect your homeowners insurance rate in Vermont, including:

  • Your home’s age: Your home’s likelihood of structural wear and tear increases with age, making it more expensive to insure the older it is.

  • Your home’s materials: Some building materials are more durable than others. Your premium may be lower if your Vermont home is constructed from more durable materials.

  • Your home’s square footage: As your home’s square footage increases, so does the cost to insure it since it will cost more to repair.

  • The cost of building materials in your area: If building materials cost more in your area, your home will cost more to repair. As a result, your insurance company, which is responsible for repairing damage to your home, may charge you more for your policy.

  • Your home’s location: Homes in remote areas are further away from essential safety services like fire and police, increasing the likelihood of catastrophic damage to your home. Also, if your home is near a body of water or a high-crime area, you may pay more for your insurance policy.

  • Potentially dangerous amenities: Pools and trampolines are fun, but they come with risks that can lead to insurance claims. You may pay more for homeowners insurance if you have any amenities like decks, pets, or swing sets.

  • Your deductible: Lower deductibles are appealing since you won’t have to pay as much out of pocket when you file a claim, but you’ll pay more upfront in the form of your homeowners insurance deductible. Changing your deductible has a significant impact on your homeowners insurance premium.

Vermont Homeowners Insurance Rates by City

Vermont homeowners insurance deductibles differ based on where you live.

Below, you’ll find the average annual insurance rates in 10 of Vermont’s largest cities so you can see what you can expect to pay in your area.


Average Annual Rate







Essex Junction




The Best Homeowners Insurance in Vermont’s research shows that the following Vermont insurance companies offer the best, most comprehensive homeowners insurance coverage:

Allstate logo


Average Annual Rate: ~ $530

Notes: Great online services and discount options

Concord Group

Concord Group

Average Annual Rate: ~ $503

Notes: One of the lowest customer complaint rates among insurance companies

State Farm logo

State Farm

Average Annual Rate: ~ $805

Notes: Excellent online and mobile capabilities make filing a claim easy

Union Mutual

Union Mutual

Average Annual Rate: ~ $774

Notes: Local provider with lots of discounts and great customer service

Vermont Mutual

Vermont Mutual

Average Annual Rate: ~ $416

Notes: Local company with lots of add-ons to help you find the perfect coverage

Cheapest Homeowners Insurance in Vermont

The cheapest homeowners insurance coverage in Vermont is Vermont Mutual.

Consider Vermont Mutual if cost is your deciding factor when selecting your homeowners insurance provider, but keep in mind that various circumstances might impact your insurance needs.

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Find Cheap Homeowners Insurance in Your Area


We’ve gathered more information about homeowners insurance in Vermont to help you choose the right provider and policy.

How to Reduce Homeowners Insurance Costs in Vermont

If you’re looking for ways to lower your homeowners insurance costs in Vermont, here are a few steps you can take when comparing insurance quotes:

  • Increase your deductible. Increasing your deductible is one of the fastest ways to reduce the cost of your homeowners insurance. This will allow you to pay a lower premium, but it will mean that if you file a claim, you’ll pay more out of pocket before your insurance company will start covering the bill.

  • Bundle your home and auto policies. Most people need both homeowners and auto insurance, and you can save anywhere from 5-15% if you get them both through the same provider. When shopping for homeowners insurance, let insurance agents know what other types of insurance you want.

  • Make your home safer. Keep your home as safe as possible by adding additional safety features, like the following:

    • Smoke detectors

    • Fire alarms

    • Burglar systems

    • Deadbolt locks.

  • Remove high-risk features. Luxuries like pools, decks, and trampolines are great features, but they increase your likelihood of needing to file a homeowners insurance claim. Remove them if you aren’t using them and let your homeowners insurance provider know.

  • Ask if you qualify for discounts. Insurance companies offer discounts for everything from customer loyalty to retirement to paperless billing. Ask your insurance provider what deals you might be eligible for.

  • Take care of your credit score. Before sending you a proposal, most insurance companies will check your credit. If you have clean credit, you’ll likely get a better homeowners insurance rate.

If you’re looking for ways to save money on your Vermont homeowners insurance, ask your insurance agent for their insight. They’ll be the most familiar with your unique situation and will be able to provide you with personalized suggestions. 

Vermont Insurance Options In Your City strives to connect Vermont homeowners and the best local experts so you can find the best home insurance coverage for your needs.

Here’s our list of the top four homeowners insurance agencies in Vermont. 

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.