Popular Questions about Homeowners Insurance in Vermont

Vermont's average annual home insurance premium is $918, which is less expensive than the national figure of $1,211 per year. If you're looking for exact costs, you'll need to obtain a qualified home insurance quote from a licensed professional.

Each homeowners policy will come standard with dwelling value, other structures, personal property, liability, medical payments, and additional living expense coverage. These limits will be tailored to your specifications and protect against common losses like fire, theft, vandalism, and natural disasters.

In Vermont, you aren't required by law to carry homeowners insurance. However, if you have a mortgage or lender they will mandate proof of coverage in order to obtain a loan. Vermont has had $75.8 million paid in home claims in one year, which makes having the right protection vital to avoid out-of-pocket expenses.

Your Vermont home insurance rates are calculated by carriers using the following risk factors:

  • Replacement cost of property
  • Coverages selected
  • Past claims reported
  • Local crime rates
  • Natural disaster risks
  • Flood zoning

Every state has licensed carriers who may be able to help with your homeowners insurance coverage. In Vermont, Safeco, Progressive, Travelers, and Stillwater insurance companies come highly rated. These markets are known for their quick claims service and broad coverage selection.

Yes, Vermont has 107 independent insurance agencies in existence. Each can help you find homeowners insurance that's sufficient and affordable. Since they work with numerous markets, you'll get the best options in town.

Do You Know What Your Vermont Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Essex Junction$353,3512.69$911
South Burlington$430,7432.64$992