Vermont Homeowners Insurance

Shopping for homeowners insurance doesn’t need to be complicated. Compare rates by city and company below.

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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.


AFFORDABLE HOME INSURANCE COMPANIES IN VERMONT
Insurance CompanyAverage Annual Rate in Vermont
Safeco$315
Vermont$495
Allstate$515
Concord$555
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.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN VERMONT
CityAverage Annual Home Insurance Rate
Winooski$682
South Burlington$686
Essex Junction$697
Burlington$720
Barre$728

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.


HOMEOWNERS INSURANCE RATES IN VERMONT — COMMON COVERAGE LIMITS
Coverage LevelAverage Annual Cost
$100,000 Dwelling$336
$200,000 Dwelling$533
$250,000 Dwelling$664
$400,000 Dwelling$972

Compare Homeowners Insurance Rates

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.


HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE TIER IN VERMONT
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$735
$1,000$664
$1,500$634
$2,000$574
$5,000$501

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.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN VERMONT
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle Savings% Savings with Bundle
$1,053$939$11412%

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.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.