Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

How to find affordable home insurance in Vermont


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners policy covers your dwelling and property in the event of a variety of misfortunes, including wind damage, fire, theft, vandalism, and others.

Unlike car insurance, home insurance is not governed by state legislation. Even so, major discrepancies exist in home insurance costs from state to state. Home insurance policy prices in states diverge based on the value of — and frequency of — homeowners claims filed statewide, and also on the value of the belongings and dwelling you're insuring.

The easiest way to find affordable homeowners insurance in Vermont is to compare rates and consider policies from multiple companies. Get an idea of how much home insurance costs in Vermont via the below data. Individual rates may vary depending on coverage options and the value of the dwelling being insured.

Vermont home insurance:
  1. Rates by company
  2. By city
  3. Rates by coverage amount
  4. Rates by deductible level
  5. Bundling home and auto insurance
  6. FAQs

Homeowners insurance prices in Vermont by carrier

Homeowners insurance rates in Vermont will vary depending on which insurance company you choose. Safeco sells the cheapest home insurance in Vermont, at just $315 each year. This is less than the state's average cost of $733, providing a $418 discount on average statewide homeowners insurance costs.

Begin your search for cheap home insurance by reviewing the best Vermont home insurance carriers, listed below.

Insurance CompanyAverage Annual Rate in Vermont
State Farm$692

Vermont home insurance prices by city

Not all Vermont cities have the same home insurance rates. Prices may depend on city-specific variables, such as the number of homeowners claims filed nearby, meaning your specific ZIP code impact how much you pay.

The cheapest homeowners insurance in Vermont is available in Winooski. An average home insurance policy in Winooski costs just $682 each year — $51 less than the average Vermont rate. The below table shows the best places to live in Vermont if you’re looking for cheap homeowners insurance.

CityAverage Annual Home Insurance Rate
South Burlington$686
Essex Junction$697

Home insurance rates in Vermont by coverage limit

How much you spend on home insurance coverage is greatly affected by the level of coverage you choose. Homeowners in Vermont who carry $100,000 of dwelling coverage pay an average of $336 per year, while those with dwelling coverage of $400,000 pay around $972 per year.

Coverage LevelAverage Annual Cost
$100,000 Dwelling$336
$200,000 Dwelling$533
$250,000 Dwelling$664
$400,000 Dwelling$972

Homeowners insurance deductibles in Vermont

Among the plethora of decisions homeowners face when shopping for homeowners insurance is where to set the deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible level you choose can major impact on your homeowners insurance rates.

When thinking about your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, consider a higher deductible if your are hoping to lock in lower home insurance premiums. Bear in mind: your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

The following table outlines the typical premium costs affiliated with deductibles offered by most home insurers.

Deductible LevelAverage Annual Homeowners Insurance Rate

Homeowners and auto insurance bundles in Vermont

If you want to save on home insurance, consider holding your car and homeowners policies with the same insurance company. Bundling auto and homeowners insurance in Vermont can lead to substantial savings on your auto insurance policy. Bundling policies in Vermont leads to a yearly discount of $114.


Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)


Bundling home and auto policies is a great way to save. Find a policy today!


Vermont homeowners insurance FAQs


Does Metlife offer homeowners insurance in Vermont?

Yes - Metlife provides homeowners insurance in the state of Vermont.

Is home insurance required in Vermont?

The state of Vermont does not require you to have homeowners insurance. Bear in mind, however, that many mortgage lenders so require you to purchase and maintain the coverage as a part of your lending agreement.

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.