Popular Questions about Homeowners Insurance in Vermont

On average, American homeowners pay $1,211 a year for their home insurance coverage. However, in Vermont, the average annual premium is lower at just $918 a year.

Having homeowners insurance coverage is important because hazards like severe weather events, accidental fires, and property crimes can result in expensive losses for Vermont homeowners who are not insured.

Your home insurance policy is designed to cover you against many of the hazards you are likely to face as a property owner in Vermont. Whether you are facing expensive losses related to a fire, a severe storm, or a rash of burglaries, you can rest assured that you are covered if you have a suitable Vermont homeowners insurance policy. 

Let’s look at the things your Vermont homeowners insurance policy can do for you:

  • Pay to Repair or Replace Your Home and Your Belongings
    • Example: Lint build-up in your dryer vent ignites a fire, and a large portion of your house, as well as many of your belongings, are destroyed in the blaze.
  • Pay for Someone Else's Injuries or Property Damage When It's Your Fault
    • ExampleA neighbor’s child suffers a significant head injury from falling off your backyard trampoline.
  • Pay for Temporary Living Expenses If Your Home Is Seriously Damaged
    • Example: A windstorm causes a large tree to fall onto your house rendering it uninhabitable. You need to stay in a hotel while repairs are made.

We can’t be 100% certain, but in 2019, insurance companies paid out more than $75 million in home insurance claims in the state of Vermont alone. That's a lot of unfortunate events happening to Vermont homeowners.

Insurance companies base their home insurance rates on the value of your property and how likely it is that something bad will happen to it. The higher the probability that a damaging event will affect your house and property, the more expensive your home insurance policy will be. These potential damaging events are called "risks” or “exposures.”

Let’s take a look at how risky Vermont is compared to the rest of the United States.


The burglary rate in Vermont is lower than the national average. This helps to keep coverage costs affordable in this state. Insurance companies will look at crime rates in your particular ZIP code when determining how high your premiums will be.

  • Average number of burglaries per 1,000 homes in the US: 3.76
  • Average number of burglaries per 1,000 homes in VT: 2.34

Several insurance companies offer policy discounts to homeowners who have burglar alarms, deadbolt locks, and other security features installed in their homes. Talk to a local independent agent to learn whether you qualify for this or any other discounts.


Severe weather events, including hailstorms and high winds, can wreak havoc on residential properties in this state. Be sure that your home insurance provides all the coverage you need before disaster strikes.

Vermont statistics

  • Number of federally declared disasters since 1953: 50
  • Most common causes of VT disasters: Severe storms, floods, and hurricanes
  • Average number of tornadoes per year: 0.6
  • Amount paid out in home insurance claims in 2019: $75,753,000

Be aware that flood damage is not covered by homeowners insurance. A local independent agent can help you assess your flood risk and, if needed, can set you up with an affordable flood insurance policy through the National Flood Insurance Program (NFIP).

Home Values:

The size of your house can affect your home insurance rates, since larger homes tend to have more personal property inside them. The estimated cost to rebuild your home will also play a large role in how much your home insurance costs.

  • Average home value in the US: $188,900
  • Average home value in VT: $226,300

In Vermont, the average home value is higher than the national average. Of course, some cities in this state, like South Burlington, have a greater abundance of high-value properties than others, like Barre, and therefore the average rates for coverage in these cities tend to be higher.

When it comes to homeowners coverage, no insurance company can be considered the “best” for everyone. The policy that works best for you might not be the most ideal choice for your next-door neighbor or your friend in a neighboring town.

That is why independent agents compare policies and rates from multiple companies. That way, they can find the policy that is most suitable to meet your coverage and budgetary needs. Let a local independent agent help you find the policy that is best for you.

Yes! There are currently 107 independent insurance agents in Vermont who are ready to help.

Independent insurance agents do not work for a single insurance company. Instead, they work for you. This means they are free to shop around to find you suitable coverage at a competitive price. Contact an independent agent near you to get started.

How does home insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 4.69 per 1,000 homes

National average home value $188,900

National average home insurance cost $1,173 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Essex Junction$353,3512.69$911
South Burlington$430,7432.64$992
  1. $81
  2. Burlington, VT Monthly average home insurance cost
  3. The average monthly cost of home insurance in Burlington is $81.
  4. This average rate can only give you a general idea of how much your actual coverage will cost. There is a wide range of homes and home values in the city of Burlington, so there is also a wide range of assessed rates. Insurance companies consider your home’s size, value, and location, as well as factors like your claims history and credit score, when they calculate your rates. 
  5. This city sometimes sees torrential downpours, particularly during hurricane season. However, it is important to be aware that while homeowners insurance covers damage caused by high winds, lightning strikes, and rain falling onto you your house, it does not cover against the flood damage that often accompanies these storms. Since many Burlington residents are in danger of experiencing large financial losses due to flooding, it is important to supplement your homeowners insurance with a flood insurance policy through the National Flood Insurance Program (NFIP).
  6. A local independent agent can help you find affordable homeowners insurance and flood insurance so that your property is suitably covered.

  1. $82
  2. Essex, VT Monthly average home insurance cost
  3. The average monthly cost of home insurance in Essex is $82.
  4. Of course, not all Essex property owners will pay the same amount for their home insurance coverage. Your monthly rate is based on the crime and weather risks in your ZIP code, the age, size and value of your home, the building materials used in your house’s construction, the amount of coverage you want, your claims history, and more.
  5. Hailstorms in the Essex area, while not particularly frequent, still have the potential to cause significant damage to local homes. Hailstones that exceed one inch in diameter can damage roofs, gutters, siding, windows, and peripheral property like garages and sheds. One of the most damaging hailstorms to strike in the area occurred in nearby Westford in 2009, when hailstones measured as much as three inches in diameter. Fortunately, damage caused by these storms is covered by homeowners insurance.
  6. An independent insurance agent near you can help you be sure that your property is sufficiently covered against all the risks you are likely to face in Essex.

  1. $77
  2. Colchester, VT Monthly average home insurance cost
  3. The average monthly cost of home insurance in Colchester is $77.
  4. Homeowners insurance rates in can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the materials used in its construction, and the crime rate and weather risks in the ZIP code in which your property is located.
  5. One of the most common hazards faced by homeowners in Colchester is severe winter storms. Heavy snows can cause the formation of damaging ice dams on your roof, and freezing temperatures can lead to burst pipes in your home. Fortunately, your homeowners insurance covers against property loss and damage to your home if heavy snows of freezing temperatures are to blame.
  6. A local independent agent can provide you with more information and can help you find a great policy at a competitive price. 

  1. $67
  2. Rutland, VT Monthly average home insurance cost
  3. The average monthly cost of home insurance in Rutland is $67.
  4. Of course, what you may actually be asked to pay is likely to differ from this average amount because rates are based on specific details about you and your property. Your rate will be calculated according to factors like the size and age of your house, the materials used in its construction, the crime rate and weather risks in your ZIP code, your claims history, and sometimes even your credit score. 
  5. Because it is situated on the western slope of the Green Mountains, the city of Rutland is particularly susceptible to windstorms. In May 2017, the area was clobbered by winds of up to 74 mph. Trees were uprooted, power was knocked out for many residents, and several houses were damaged. Fortunately, homeowners insurance can provide the funds necessary to repair and replace damaged property following a windstorm.
  6. Set up an obligation-free consultation with an independent insurance agent near you to learn more and to start comparing customized quotes for home insurance coverage.

  1. $68
  2. Bennington, VT Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Bennington is $68.
  4. Your house is not the same as every other house in your neighborhood. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size, age, and value of your home, the number of people living in it, the amount of liability coverage you want, and the size of your deductible. Your quoted rate for Bennington homeowners insurance may therefore be higher or lower than the city average.
  5. One of the most devastating things a homeowner can experience is a house fire. A fire can do more than just damage the structure of your house, it can also lead to the total loss of your personal belongings. Homeowners insurance can’t bring back your irreplaceable sentimental property, but it can give you peace of mind through financial compensation. You will want to be sure that your dwelling coverage is high enough to enable you to rebuild a home of comparable size and that your contents coverage is high enough to cover the cost of replacing your lost or damaged property.
  6. An independent insurance agent in Bennington can help you review your coverage levels to ensure that they are sufficient.