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Best Homeowners Insurance Agencies in Burlington

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Ashe Insurance logo
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Ashe Insurance

8 Essex Way, Essex, VT 05451
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  • Renter's Insurance
  • Homeowners

Business Description

Ashe Insurance is a family-owned insurance agency that has been serving residents of Burlington for over 46 years. It helps clients find homeowner insurance policies tailored to their specific needs. Such policies usually include liability protection and coverage of one's home and personal belongings. Ashe Insurance can also find additional coverage for homes susceptible to certain destructive forces such as floods and earthquakes. Aside from homeowner insurance, Ashe Insurance also handles auto, business, farm, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Chris Kasper - State Farm Insurance Agent logo
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Chris Kasper - State Farm Insurance Agent

159 Pearl Street, Essex, VT 05452
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  • Fire
  • Multiple Policy Types

Business Description

For over a decade, Chris Kasper - State Farm Insurance Agent has been offering families and individuals various home insurance options. He operates in the Burlington metro area, providing homeowners with coverage for their homes, gardens, furniture, jewelry, and other prized possessions. The policy Mr. Kasper offers protects these assets from natural emergencies, such as lightning, wind and hail, random acts of vandalism, and other causes, including malfunctions of HVAC systems. He also offers a range of financial services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kinney Insurance Agency logo
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Kinney Insurance Agency

114 Upper Welden Street, Saint Albans City, VT 05478
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  • Homeowners

Business Description

Kinney Insurance Agency is a family-owned business that has been delivering personalized homeowners' insurance policies in Burlington for over 40 years. It evaluates the properties and works with local, regional, and national providers to create protection plans that fit each client's coverage requirements. In addition, Kinney Insurance is an independent agency that provides individuals, families, and businesses with other products such as auto, farm, maple producers, recreational vehicles, and specialty programs. It has office locations in Milton, South Hero, and St. Albans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (79)
Google
4.8 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Williston Insurance Agency logo
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Williston Insurance Agency

33 Blair Park Road, Williston, VT 05461
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  • Renter's Insurance

Business Description

Williston Insurance Agency is a homeowners insurance agency that has been providing services to Burlington, Williston, and surrounding areas. The agency assists clients in evaluating and confirming properties towards claims. Additional insurances they offer include those for life, disability, recreational vehicles, farm, and equine. Commercial clients can avail themselves of Williston Insurance Agency's insurances that cover business, commercial auto, and contractors. The agency also offers annuities and long-term care investments.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Winooski Insurance logo
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Winooski Insurance

2300 Saint George Road, Williston, VT 05495
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Fire
  • Flood

Business Description

Winooski Insurance is an independent, full-service insurance agency that has been serving communities in Burlington. Williston, and surrounding areas since 1983. The homeowners insurance agency provides clients with policies that cover homes or apartments whether they are owners or renters. Depending on their need, clients can choose from other insurance policies, including auto, boat, flood, and high net worth. The carriers Winooski Insurance works closely with include Berkshire Hathaway, Concord Group, MMG Insurance, The Hartford, and Union Mutual.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.0 / 5 (35)
Yelp
2.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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