Best Home Insurance in Vermont

On average, your neighbors pay $80 a month.

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Homeowners insurance in Vermont runs you an average of $963 yearly. This is $791 lower than the national average yearly home insurance premium of $1,754. You can find rates as cheap as $513. To help in your search for your best home insurance rate, we looked at home insurers in Vermont and compared their pros and cons. Here's what we found:

In this article

What are the cheapest home insurance companies in Vermont?

Allstate has the cheapest average rate for home insurance in Vermont at $609 a year, according to our research. Vermont Mutual Insurance is in second place, with an average rate of $1,664 a year.

Company Average annual premium
Allstate $609
Concord Group Insurance $724
State Farm $1,177
Travelers $1,054
Union Mutual $1,116
USAA $1,389
Vermont Mutual Insurance $668
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How much does home insurance cost in Vermont?

The average cost of homeowners insurance in Vermont is $963 a year, or $80 a month. Insurance companies will look at different factors when determining your premium, which include:

  • Your home's replacement cost value
  • The age of your home
  • Your home's location
  • Your home insurance claim history

You can't change some of these factors but you can lower your premium by increasing your deductible.

Deductible Average annual premium
$1,000 $963
$1,500 $823
$2,000 $747
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find cheap home insurance in Vermont

Best homeowners insurance companies in Vermont

Allstate, Vermont Mutual and Concord Group Insurance came out as our best choices for home insurance companies in Vermont. Here's why:

Allstate: cheapest home insurance rates

Allstate's average yearly homeowners insurance premium in Vermont is $609. This is almost 45% less than the state average of $963.

If you're looking to save more money, consider bundling an auto or life insurance policy with an Allstate home insurance policy. You can save up to 25% on your total yearly insurance premiums when you bundle home and auto.

Allstate also offers great financial strength and claim satisfaction. AM Best, a well-reputed insurance industry rating firm, gave Allstate an A+ for financial backing. Also, Allstate has an above-average score in J.D. Power's home insurance study, where it received 829 points out of 1,000.

Vermont Mutual: favorite local home insurance company

Vermont Mutual has the second-lowest average homeowners premium in Vermont at $668 a year. Despite its size, Vermont Mutual has over 800 independent agents you can get to easily, and provides insurance for over 300,000 policyholders.

It's important to point out that Vermont Mutual also offers a wide variety of add-on endorsement options for home insurance coverage. You can get an endorsement for damage due to a public water supply line, which is rarely covered under any circumstances.

Concord Group Insurance: best range of home insurance premium discounts

Concord Group Insurance's average homeowners insurance rate is $724 a year. On top of having a low average premium, it also offers a wide variety of home insurance discounts:

  • You can qualify for a discount if you have a backup generator.
  • If your home is under 15 years old, you can qualify for their year of construction credit.
  • You can qualify for a discount if you've gone a set period of time without making a home insurance claim.
  • If you upgrade or install protective devices like a smoke detector or alarm system, then you can qualify for their protective device discount. 
  • You can qualify for a discount if you have a qualifying whole-home water shut-off system, which can automatically turn off the water in your home if there is a leak.

These are just a fraction of the discounts that Concord Group Insurance offers. Make sure to discuss your home insurance needs with the insurer thoroughly so you can get your best rate.

Homeowners insurance rates in Vermont by city

Vermont home insurance premiums don't really differ that much by city. This is largely due to the cities being close together. South Burlington has the lowest average homeowners insurance rate at $868 a year. Brattleboro hits the top at $988.

City Average annual premium
Burlington $931
South Burlington $868
Colchester $921
Rutland city $977
Bennington $986
Brattleboro $988
Essex Junction $890
Milton $899
Williston $888
Springfield $982
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Homeowners insurance rates in Vermont by county

The range of average home insurance rates across counties in Vermont isn't particularly wide, mostly due to the same proximity factors as Vermont cities have. Here's how homeowners insurance rates in Vermont counties compare:

County Average annual premium
Chittenden $899
Rutland $986
Washington $946
Windsor $963
Franklin $970
Windham $985
Bennington $983
Addison $953
Caledonia $961
Orange $946
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.


We obtained quotes for a standard HO-3 homeowners insurance policy on a typical home in every ZIP code in Vermont. Unless otherwise noted, standard policies included the following limits and deductibles.

  • Dwelling coverage: $275,000
  • Other structures: $27,500
  • Personal property: $137,500
  • Loss of use: $55,000
  • Liability: $100,000
  • Medical payments: $5,000
  • Deductible: $1,000 LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.