Vermont Homeowners Insurance

What You Need to Know About Vermont Homeowners Insurance in 2017

Independent agents in Vermont shop multiple companies to get you the best price on home insurance.

Did you know that Vermont is the only New England state that doesn’t border the Atlantic Ocean? Lake Champlain does form half of the state’s western border, however, so residents still have plenty of shoreline to enjoy. No matter where you live in this beautiful state, you may be able to take advantage of fairly modest home policy rates.

You would be wise to consider shopping around for the best Vermont homeowners insurance coverage for your house and property. Use our independent agent matching system to find the best insurance plan in your area.

  • National yearly premium average: $1,132
  • Vermont yearly premium average: $844
  • 41st most expensive premium in the US

The most recent information available as of 2017 from the Insurance Information Institute shows that Vermont's average premium costs are $844, which is considerably lower than the national average.

Many home owners start with a standard policy, then have it custom tailored for their needs. Adjustments may include adding some additional coverage options or adjusting deductibles.

In order to make a good choice, it may be helpful to consider some typical risks and hazards affecting Vermont.

Number of Catastrophes in Vermont and the US

  • National number of catastrophes: 19,033
  • Number of catastrophes in Vermont: 31
  • National number of tornadoes: 1,233
  • Number of tornadoes in Vermont: 0
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Vermont: $7,250,000

Catastrophe claims in Vermont are low in comparison with the entire country. A standard Vermont homeowners insurance plan may cover many of your risks, but not necessarily all of them. Discuss your situation with your insurance agent.

Theft in State

  • National average for burglaries: 37,814
  • Vermont number of burglaries: 3,313

Vermont has a very low burglary rate compared with the rest of the nation, one of the lowest. Homeowners are still advised to get coverage through a Trusted Choice independent agent to ensure that their homes are protected from the possibility of a burglary or theft.

Prevent Fire Hazards

  • Purchase fire extinguishers
  • Make certain that your fire extinguishers work
  • Ensure family members know how to find and use fire extinguishers
  • Install fire alarms throughout your house
  • If your fire alarm uses batteries, have a few extras on hand
  • Replace batteries frequently
  • Buy adequate insurance to protect your home and valuables

Vermont suffers from a higher than average rate of deaths related to fire. There may be some things that residents can do to protect themselves from this risk. The suggestions above may help you earn a discount on your next policy, save your home and keep your family safer.

Find the Best Vermont Home Insurance Quotes

It can take considerable time to compare Vermont homeowners insurance if you try to do all of the searching yourself. A member agent in the Trusted Choice network will be happy to do most of the hard work for you. These agents are ready to compare multiple companies and help you feel more secure about your decision.

Do you need to purchase a new policy? Do you want to be sure your current policy is still reasonably priced and provides adequate coverage? An experienced insurance agent can help you choose the best option for yourself.

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