Homeowners Insurance in Montpelier, VT

Our experts explain where you can find the coverage your home needs at a great rate in Montpelier, VT.

New home being viewed from the trees. Montpelier, Vermont Homeowners Insurance.

With severe storms and lightning damage as its number one most common threat to homeowners, Vermont has many residents in need of protection. The right homeowners insurance can help reimburse for many disasters that impact your home. Without coverage, you'd have to pay these costs yourself.

An independent insurance agent in Montpelier can help you get equipped with the right homeowners insurance policy. They'll ensure that you get the coverage you need at the best possible rate. But before we get too far ahead of ourselves, here's a breakdown of homeowners insurance in Montpelier, VT.

What Is Homeowners Insurance?

Homeowners insurance can help you recover financially from many disasters that threaten your home, including vandalism. It can protect your home's structure and contents, as well as your personal liability and loss of use if you can't stay at your home during repairs. Without this coverage, you could face hefty losses after just one major disaster like a storm. 

What Does Homeowners Insurance Cover in Montpelier, VT?

Homeowners insurance is pretty standard across the country. Policies in Montpelier, VT includes these essential coverages:

  • Additional living expenses: You're covered by home insurance if you have to stay at a hotel or somewhere else while your home undergoes repairs after a covered disaster.
  • Liability coverage: You're covered by home insurance against legal expenses if a third party sues you for claims of bodily injury or property damage.
  • Dwelling coverage: You're covered by home insurance if your home's structure gets damaged by fire, burglary, falling objects, etc.
  • Contents coverage: You're covered by home insurance if your personal property like furniture gets stolen or damaged by fire, etc.

A local independent insurance agent in Montpelier, VT knows exactly which coverages to look for when building your best homeowners insurance policy. 

What's Not Covered by Homeowners Insurance in Montpelier, VT?

Though home insurance can reimburse you for damage related to many different disasters, it doesn't cover all of them.

Home insurance policies in Montpelier, VT often exclude:

  • Your intentional or malicious acts against others
  • Damage to your home by natural flooding or earthquakes
  • Damage to your home by insects or pests
  • Your home maintenance costs
  • Damage to your home by war or nuclear fallout

Getting a separate flood insurance or earthquake insurance policy is critical to ensure that your home is protected against these natural disasters, as home insurance excludes them. Your independent insurance agent in Montpelier can help you get covered.


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How Much Does Homeowners Insurance Cost in Montpelier, VT?

With rates averaging just $918 per year, Vermont is one of the top-ten cheapest states for homeowners insurance. Compared to the national average of $1,211 annually, residents here can save quite a bit on their coverage. You can really trust that an independent insurance agent in Montpelier can help you find affordable coverage near you.

The Most Common Home Disasters in Montpelier, VT

Homeowners insurance is critical for receiving reimbursement for many types of threats. However, the state of Vermont is prone to getting certain disasters more than others, including:

  1. Severe storms and lightning damage
  2. Flooding and water damage
  3. Hurricanes and tropical storms
  4. Ice storms and freezing
  5. Burglary and other property crimes

The good news is that your homeowners insurance can cover most of these disasters. However, you'll need to get a flood insurance policy for flooding caused by common disasters in Vermont like hurricanes and tropical storms.

Cheap Homeowners Insurance Near Me

While cheap homeowners insurance rates may sound like a good idea, going with a cheaper policy can actually end up costing you more in the long run. Cheaper premium rates can mean higher deductibles, which would leave you paying more from your own wallet before a claim was covered. Your coverage limits may also be lower with cheaper premiums, meaning you might not get a whole claim reimbursed.

It's also important to keep an insurance company's credibility in mind. It's possible that cheap rates can indicate a carrier that just wants to sell a lot of policies without the intention of delivering on their coverage promises to customers. Be sure to check out official ratings by entities like the Better Business Bureau as well as customer reviews, before you buy coverage from anyone.

What Are the Best Homeowners Insurance Companies in Montpelier, VT?

We've also got the benefit of knowing some of the top, reliable carriers for homeowners insurance in Montpelier. Check out a few of our highest-rated home insurance companies in your city below.

Top Homeowners Insurance Companies in Montpelier, VT Star Rating
Stillwater Insurance
5 star rating
MAPFRE Insurance
5 star rating
The Hanover
5 star rating
5 star rating
5 star rating

Why Work with an Independent Insurance Agent in Montpelier, VT?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Vermont to find you the right coverage at a great price.

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TrustedChoice.com Article | Reviewed by Paul Martin

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