The Best and Cheapest Home Insurance Companies in Vermont (2026)
Vermont Mutual sells the cheapest home insurance in VT for most people, at $572/yr for $350,000 in dwelling coverage, on average. | ||
Home insurance in Vermont costs an average of $924/yr. That's the second-cheapest average rate in the country. | ||
In Burlington, home insurance tends to cost $883/yr for $350,000 in dwelling coverage. |
Vermont Mutual sells the cheapest home insurance in VT for most people, at $572/yr for $350,000 in dwelling coverage, on average. | ||
Home insurance in VT costs $924/yr, on average. Homeowners in Burlington tend to pay around $883/yr, on average. |
Find Cheap Home Insurance Quotes in Vermont
Who sells the best cheap home insurance in Vermont?
What company has the cheapest home insurance in Vermont?
Vermont Mutual sells the cheapest homeowners insurance in Vermont, with an average rate of $572 per year for $350,000 in dwelling coverage.
Find Cheap Home Insurance Quotes in Vermont
- If your home needs $1 million of dwelling coverage, State Farm is a cheaper option, with an average rate of $1,311 per year.
- Vermont Mutual may have the cheapest rates, but it doesn't have the best coverage add-ons. Concord is a better option if you want to add extra coverage to your policy.
- Depending on where you live, Allstate might actually be the cheapest option for home insurance. In 14 cities, Allstate policy rates tend to be cheaper than Vermont Mutual's.
Best cheap home insurance in Vermont by dwelling amount
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| Vermont Mutual | 2.8 out of 5 | $370 |
| State Farm | 3.5 out of 5 | $480 | |
| Frankenmuth | 3.8 out of 5 | $493 | |
| Allstate | 3.5 out of 5 | $495 | |
| Concord | 5.0 out of 5 | $566 |
| Union Mutual | 3.5 out of 5 | $587 |
| Travelers | 2.3 out of 5 | $618 | |
| Farmers | 2.5 out of 5 | $678 | |
| MMG | 2.5 out of 5 | $898 |
| USAA | 3.3 out of 5 | $669 | |
USAA is only available to current military members, veterans, children or spouses of USAA members and employees of certain federal agencies.
Key takeaways
- Home insurance in Vermont costs about 20% more now than it did in 2021.
- But between 2024 and 2025, rate increases slowed and only went up by about 2.6%.
- Liberty Mutual had the biggest rate hike in the last five years, with rates going up by nearly 40%. USAA and Nationwide both lowered their rates, and Chubb didn't raise rates at all.
- Snow and cold temperatures can damage homes in Vermont. Home insurance automatically covers most types of damage caused by winter weather.
Best home insurance in Vermont overall: Concord
-
Annual cost$763Average rate for a $350,000 home
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Monthly cost$64Average rate for a $350,000 home
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Customer complaints Low
Best Vermont home insurance for cheap rates: Vermont Mutual
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Annual cost$572Average rate for a $350,000 home
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Monthly cost$48Average rate for a $350,000 home
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Customer complaints Average
Best for home insurance in Vermont for bundling: State Farm
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Annual cost$682Average rate for a $350,000 home
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Monthly cost$57Average rate for a $350,000 home
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Customer complaints Average
State Farm is a great choice if you want to bundle your auto and home insurance.
State Farm's home insurance rates are cheaper than average in Vermont, even if it's not the cheapest option for most people. However, the company also has cheap car insurance in Vermont. That means buying both your auto and home insurance from State Farm can save you money and make handling your policies easier.
You'll also get an extra discount on your auto and home insurance when you bundle your policies. On average, you'll save 27% on your home insurance and 18% on your car insurance when you buy both policies from State Farm.
State Farm has agents in 19 Vermont cities. If you want extra help choosing coverages and handling your policies, State Farm could be a good option.
What are the best home insurance companies in Vermont?
Concord is the best-rated home insurance company in Vermont.
The company gets very few complaints about its home insurance, according to the National Association of Insurance Commissioners (NAIC). Plus, it offers good coverage add-ons and discounts on top of its cheap rates.
Company |
Rating
|
Complaints
|
|---|---|---|
| Concord | 5.0 out of 5 | Low |
| Frankenmuth | 3.8 out of 5 | Low |
| Allstate | 3.5 out of 5 | High |
| State Farm | 3.5 out of 5 | Average |
| Union Mutual | 3.5 out of 5 | Low |
| USAA | 3.3 out of 5 | Low |
| Vermont Mutual | 2.8 out of 5 | Average |
| Farmers | 2.5 out of 5 | Average |
| MMG | 2.5 out of 5 | Low |
| Travelers | 2.3 out of 5 | Low |
What's the average cost of home insurance in Vermont?
Home insurance in Vermont costs $924 per year, on average, for a policy with $350,000 in dwelling coverage.
That makes Vermont the second-cheapest state in the country for homeowners insurance, behind Hawaii. Vermont's rates are likely low because the state doesn't experience as many natural disasters or extreme weather events that other states do.
Average cost of home insurance in VT
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $585 |
| $350,000 | $924 |
| $500,000 | $1,252 |
| $1,000,000 | $2,191 |
Home insurance in Vermont is cheaper than home insurance in the states around it. In New Hampshire, a policy costs an average of $1,028 per year for $350,000 in dwelling coverage. The same coverage costs $1,387 per year in New York and $1,635 per year in Massachusetts.
Vermont's cheap rates are likely because the state experiences fewer severe weather events compared to the states around it. That means homes are less likely to be damaged and people are less likely to file claims. All that saves insurance companies money, so they charge lower rates.
Vermont home insurance rates by city
Home insurance in Burlington costs about $883 per year, on average.
West Dummerston, a town to the northwest of Brattleboro, has the most expensive home insurance rates in Vermont, at an average of $986 per year.
Hinesburg, to the southeast of Burlington, has the cheapest average rates. A policy with $350,000 in dwelling coverage costs an average of $831 per year in Hinesburg.
Vermont Mutual is usually the cheapest home insurance company in Vermont, so it's worth getting a quote. In 14 cities, Allstate has a cheaper average rate than Vermont Mutual. That's why it's always helpful to compare quotes and shop around.
Find Cheap Home Insurance Quotes in Vermont
Cost of Vermont home insurance by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Adamant | $917 | Vermont Mutual | $562 |
| Albany | $941 | Vermont Mutual | $623 |
| Alburgh | $930 | Vermont Mutual | $623 |
| Arlington | $930 | Vermont Mutual | $587 |
| Ascutney | $962 | Vermont Mutual | $562 |
| Averill | $970 | Vermont Mutual | $623 |
| Bakersfield | $924 | Vermont Mutual | $623 |
| Barnet | $901 | Vermont Mutual | $580 |
| Barre | $899 | Vermont Mutual | $580 |
| Barton | $928 | Vermont Mutual | $623 |
| Beebe Plain | $973 | Vermont Mutual | $623 |
| Beecher Falls | $935 | Vermont Mutual | $623 |
| Bellows Falls | $948 | Vermont Mutual | $532 |
| Belmont | $930 | Vermont Mutual | $568 |
| Belvidere Center | $938 | Vermont Mutual | $623 |
| Bennington | $953 | Vermont Mutual | $587 |
| Benson | $931 | Vermont Mutual | $568 |
| Bethel | $927 | Vermont Mutual | $562 |
| Bomoseen | $942 | Vermont Mutual | $568 |
| Bondville | $941 | Vermont Mutual | $587 |
| Bradford | $926 | Vermont Mutual | $580 |
| Brandon | $927 | Vermont Mutual | $574 |
| Brattleboro | $948 | Vermont Mutual | $532 |
| Bridgewater | $921 | Vermont Mutual | $562 |
| Bridgewater Corners | $916 | Vermont Mutual | $562 |
| Bridport | $928 | Vermont Mutual | $585 |
| Bristol | $903 | Vermont Mutual | $585 |
| Brookfield | $931 | Vermont Mutual | $562 |
| Brownsville | $945 | Vermont Mutual | $532 |
| Burlington | $883 | Vermont Mutual | $472 |
| Cabot | $901 | Vermont Mutual | $580 |
| Calais | $930 | Vermont Mutual | $580 |
| Cambridge | $863 | Vermont Mutual | $623 |
| Cambridgeport | $952 | Vermont Mutual | $532 |
| Canaan | $933 | Vermont Mutual | $623 |
| Castleton | $942 | Vermont Mutual | $568 |
| Cavendish | $938 | Vermont Mutual | $532 |
| Center Rutland | $927 | Vermont Mutual | $568 |
| Charlotte | $834 | Vermont Mutual | $472 |
| Chelsea | $927 | Vermont Mutual | $562 |
| Chester | $934 | Vermont Mutual | $532 |
| Chittenden | $945 | Vermont Mutual | $568 |
| Colchester | $864 | Vermont Mutual | $472 |
| Concord | $899 | Vermont Mutual | $580 |
| Corinth | $925 | Vermont Mutual | $580 |
| Craftsbury | $906 | Vermont Mutual | $623 |
| Craftsbury Common | $923 | Vermont Mutual | $623 |
| Cuttingsville | $926 | Vermont Mutual | $568 |
| Danby | $942 | Vermont Mutual | $568 |
| Danville | $900 | Vermont Mutual | $580 |
| Derby | $939 | Vermont Mutual | $623 |
| Derby Line | $937 | Vermont Mutual | $623 |
Rates are for a policy with $350,000 of dwelling coverage.
What homeowners insurance do I need in Vermont?
Because of its location in the Northeast, the most frequent risks to Vermont homes are snow, ice and freezing temperatures. Most home insurance policies cover winter damage, whether it's due to heavy snow that caves in your roof or falling ice that damages your deck.
Does homeowners insurance in Vermont cover snow and ice damage?
Home insurance typically covers snow and ice damage.
However, your insurance company may deny your claim if you didn't try to prevent the damage. For instance, if you left heavy snow on your roof for days or weeks, your insurance company may claim that you neglected your home. In this case, they may not pay for repairs.
To avoid this, it's best to clear snow and ice off your home right after a snowfall.
A severe winter storm hit northern Vermont between Jan. 9 and Jan. 10, 2024, according to the National Centers for Environmental Information Storm Events Database. Three to eight inches of heavy, wet snow fell. Winds gusted over 60 miles per hour and caused more than 80,000 power outages. All told, the storm caused more than $1 million in damage.
Does home insurance in Vermont cover burst frozen pipes?
Home insurance typically covers damage caused by frozen pipes that leak or burst.
Your homeowners insurance policy typically requires you to try to prevent this.
For example, if you turn down your heat before leaving on vacation and the pipes freeze, your insurance company may deny your claim. In this case, you'll have to pay to repair them.
And if you neglect a damaged pipe and the problem gets worse, you'll have to pay for any damage it causes, too.
Does Vermont home insurance cover floods?
Standard home insurance doesn't cover flood damage.
You might be able to buy an add-on to cover floods, but you'll more likely need to buy a separate flood insurance policy. You can get a policy from some private insurance companies or from the National Flood Insurance Program.
In Vermont, flooding caused more than $1.6 million in damage in 2025, according to the National Oceanic and Atmospheric Administration (NOAA). Most of that damage was caused by flash floods, which form quickly after rain or snowfall.
How to save on Vermont home insurance
To find the cheapest and best insurance for you, start by figuring out how much coverage you need. Then, shop around for multiple quotes and compare customer service ratings.
Most basic homeowners insurance policies come with the same standard coverages, including protection for your home and belongings. However, some homeowners may need more protection than a basic policy can offer. For example, some companies offer water backup coverage as an optional add-on. This coverage pays for damage caused by backed-up drains and sewers or a broken sump pump. As you ask for quotes, make sure the companies you're comparing offer the coverage you need. | |
This could save you a lot of money. In Vermont, there's a difference of more than $1,000 per year between the most and least expensive companies. But make sure your coverage limits are the same on each quote so you're making an apples-to-apples comparison. Each insurance company calculates home insurance rates differently. Companies typically consider factors like your age and credit score along with your home's location, style and building materials. The cheapest company for you may be different from the best choice for your friends, family or neighbors. | |
The best home insurance companies have helpful customer service representatives who can guide you through the claims process with as little stress as possible. Poor customer service can lead to a lot of frustrating back-and-forth with the insurance company before you can even start to fix your home. When researching customer service, start with ValuePenguin editor's ratings. These ratings consider customer service scores, coverage availability and cost. You can also consider J.D. Power home insurance satisfaction scores and the National Association of Insurance Commissioners (NAIC) complaint index. |
Are home insurance rates in Vermont going up?
Home insurance prices went up 19.5% in Vermont during the last five years.
That may seem like a big jump, but it's actually one of the smallest rate increases in the country. Nationally, rates went up by 47.9% between 2021 and 2025.
Vermont home insurance rate changes between 2021 and 2025
Year | Avg. rate increase |
|---|---|
| 2021 | -0.38% |
| 2022 | 1.11% |
| 2023 | 6.06% |
| 2024 | 9.07% |
| 2025 | 2.57% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Liberty Mutual raised its rates the most between 2021 and 2025. A Liberty Mutual policy costs about 40% more now than it did in 2021.
But not all companies hiked their rates. USAA and Nationwide both lowered the cost of their policies in Vermont, and Chubb's rates stayed flat.
Frequently asked questions
What is the average cost of homeowners insurance in Vermont?
The average cost of homeowners insurance in Vermont is $924 per year, or $77 per month. That's 61% cheaper than the national average of $2,395 per year. It's also the second-cheapest rate in the nation.
Which company has the cheapest home insurance in Vermont?
Vermont Mutual has the cheapest home insurance in most of Vermont, at $572 per year, on average. This is 38% cheaper than the state average.
Which company has the best home insurance in Vermont?
Concord has the best home insurance for most people in Vermont, thanks to its cheap rates and great customer service scores. But if you're looking for better bundling discounts and online features, State Farm might be the best company for you.
Methodology
To find the best homeowners insurance in Vermont, ValuePenguin gathered quotes from 10 of the top companies in 275 residential ZIP codes in the state. All quotes are for a 45-year-old married man with no home insurance claims. The home used in the quotes is 42 years old and has 2,000 square feet, which represents the average home in Vermont.
The quotes are for policies with the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
ValuePenguin ranked each company's customer service scores by comparing the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's home insurance customer satisfaction rankings and our ValuePenguin editor's ratings.
Sources:
About the Author
Senior Writer
Licensed Insurance Agent
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
