See Vermont homeowner insurance cost (premiums) by home values and deductibles, across the state and major cities. The data is from MFP’s Community Home Insurance Survey where Vermont homeowners shared costs and recommendations on home insurers, agents, and brokers.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: June 15, 2026
<< Human Powered Recommendations from Vermont’s Homeowners >>
- Vermont Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in Vermont
- Best Home Insurance Discounts in Vermont
- How to Find the Best Cheap Home Insurance in Vermont
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in Vermont?
- Extra Coverage Options in Vermont
- FAQ: Home Insurance in Vermont
Vermont Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Vermont are USAA, Amica, and Vermont Mutual.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| USAA | 4.5 | 4.8 | 4.2 | 4.5 | 92% |
| Amica | 4.5 | 4.7 | 4.0 | 4.3 | 89% |
| Vermont Mutual | 4.0 | 4.5 | 3.8 | 4.0 | 85% |
| State Farm | 4.0 | 4.3 | 4.2 | 4.1 | 83% |
| Allstate | 3.8 | 4.0 | 4.0 | 3.9 | 80% |
| Liberty Mutual | 3.7 | 3.9 | 4.1 | 3.8 | 78% |
| Travelers | 3.5 | 3.8 | 3.7 | 3.6 | 75% |
| Concord Group Insurance | 3.5 | 4.0 | 3.5 | 3.5 | 77% |
| Chubb | 4.2 | 4.5 | 3.5 | 3.8 | 82% |
| GEICO (via partners) | 3.5 | 3.7 | 4.0 | 3.9 | 76% |
Vermont average home insurance for a $1,000 deductible:
- Vermont average premiums for a $300K home is $1,112 (while it's $1,636 nationally).
- Vermont average premiums for a $400K home is $1,514. It's $2,179 nationally.
- Vermont average premiums for a $600K home is $2,262 (and it's $3,032 nationally).
Best Insurance in Vermont Cities
Burlington, South Burlington, Rutland, Barre, Montpelier
Recommendations are gathered from 2,716 local Vermont members who got a quote(s), filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Vermont Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Vermont Best Mortgage Lenders from Community Recommendations
Vermont Best Refinance Lenders from Community Recommendations
More Resources for Vermont Homeowners.
Burlington Home Insurance Cost
Compare Burlington 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Burlington for a $600K home. The average annual cost for a $600K home with a $500 deductible is $2,600.
Burlington's $800K home insurance cost is 0.0% lower than the Vermont average of $3,250. The average annual cost for a $800K home with a $500 deductible is $3,250 in Burlington.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $613 | $567 | $534 | $511 | $426 | $398 |
| $200K Home | $938 | $869 | $816 | $782 | $651 | $609 |
| $300K Home | $1,294 | $1,198 | $1,126 | $1,078 | $898 | $841 |
| $400K Home | $1,746 | $1,617 | $1,522 | $1,456 | $1,214 | $1,135 |
| $600K Home | $2,600 | $2,407 | $2,263 | $2,167 | $1,805 | $1,690 |
| $800K Home | $3,250 | $3,009 | $2,830 | $2,709 | $2,257 | $2,112 |
| $1M Home | $3,769 | $3,491 | $3,283 | $3,142 | $2,618 | $2,449 |
Burlington Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Burlington’s area are Vermont Mutual, Allstate, and State Farm.
- Vermont Mutual (92%): Homeowners praise their local expertise and competitive pricing for high-value properties.
- Allstate (88%): Members highlight the responsive claims process and bundling discounts.
- State Farm (85%): Users appreciate the personalized service from local agents.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Vermont Mutual | Insurer | 4.5 | 4.5 | 4 | 4 | 92% |
| Allstate | Agents | 4 | 4.5 | 4.5 | 3.5 | 88% |
| State Farm | Agents | 4 | 4 | 4 | 4 | 85% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 84% |
| Travelers | Agents | 4 | 4 | 4 | 3.5 | 82% |
| Concord Group | Broker | 3.5 | 4 | 3.5 | 4.5 | 80% |
| Liberty Mutual | Agents | 4 | 3.5 | 4 | 3.5 | 78% |
| Nationwide | Agents | 3.5 | 3.5 | 3.5 | 4 | 75% |
| Farmers | Agents | 3.5 | 3.5 | 3.5 | 3.5 | 72% |
| Patriot Insurance | Broker | 3.5 | 3.5 | 3 | 4 | 70% |
See also:
Burlington Best Refinance Lenders
Burlington Best Home Loan Lenders
South Burlington Home Insurance Cost
See South Burlington's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In South Burlington, switching from a $500 to a $2,000 deductible on a $300K home saves 16.8% annually. The average $300K home costs $1,242 per year with a $500 deductible.
South Burlington homeowners pay 3.4% more than the Vermont average of $2,446 for a $600K home. The average annual $600K premium with a $500 deductible is $2,529.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $602 | $557 | $523 | $501 | $418 |
| $200K Home | $912 | $845 | $793 | $759 | $634 |
| $300K Home | $1,242 | $1,150 | $1,080 | $1,033 | $863 |
| $400K Home | $1,687 | $1,560 | $1,467 | $1,403 | $1,172 |
| $600K Home | $2,529 | $2,341 | $2,199 | $2,104 | $1,757 |
South Burlington Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in South Burlington’s area are Vermont Mutual, USAA, and Allstate.
- Vermont Mutual (91%): Homeowners value their specialized coverage for Vermont’s weather risks.
- USAA (87%): Members report excellent claims handling for military families.
- Allstate (84%): Users appreciate the local agent network and digital tools.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Vermont Mutual | Insurer | 4.5 | 4.5 | 4 | 4 | 91% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 87% |
| Allstate | Agents | 4 | 4.5 | 4.5 | 3.5 | 84% |
| State Farm | Agents | 4 | 4 | 4 | 4 | 82% |
| Travelers | Agents | 4 | 4 | 4 | 3.5 | 80% |
See also:
South Burlington Best Refinance Lenders
South Burlington Best Home Loan Lenders
Rutland Home Insurance Cost
Rutland 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 18.0% for a $300K home in Rutland. At a $500 deductible, the average annual cost is $1,195.
Compared to the Vermont average of $2,446 for a $600K home, Rutland runs 0.1% above at $2,448 annually with a $500 deductible.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $589 | $537 | $504 | $483 | $404 |
| $200K Home | $891 | $813 | $764 | $731 | $609 |
| $300K Home | $1,195 | $1,090 | $1,023 | $980 | $818 |
| $400K Home | $1,633 | $1,490 | $1,399 | $1,340 | $1,117 |
| $600K Home | $2,448 | $2,233 | $2,097 | $2,009 | $1,676 |
Rutland Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Rutland’s area are Vermont Mutual, Comparion Insurance, and State Farm.
- Vermont Mutual (90%): Homeowners highlight their expertise with rural properties.
- Comparion Insurance (86%): Members praise their personalized policy comparisons.
- State Farm (83%): Users value the consistent local agent support.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Vermont Mutual | Insurer | 4.5 | 4.5 | 4 | 4 | 90% |
| Comparion Insurance | Broker | 4 | 4.5 | 4 | 4 | 86% |
| State Farm | Agents | 4 | 4 | 4 | 4 | 83% |
| Allstate | Agents | 4 | 4.5 | 4.5 | 3.5 | 81% |
| Patriot Insurance | Broker | 3.5 | 3.5 | 3 | 4 | 78% |
See also:
Rutland Best Refinance Lenders
Rutland Best Home Loan Lenders
Barre Home Insurance Cost
Compare Barre 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.2% in Barre for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,133.
Barre's $600K home insurance cost is 5.2% lower than the Vermont average of $2,446. The average annual cost for a $600K home with a $500 deductible is $2,318 in Barre.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $559 | $520 | $490 | $469 | $390 |
| $200K Home | $844 | $785 | $738 | $706 | $588 |
| $300K Home | $1,133 | $1,054 | $991 | $949 | $790 |
| $400K Home | $1,553 | $1,445 | $1,359 | $1,301 | $1,083 |
| $600K Home | $2,318 | $2,157 | $2,028 | $1,942 | $1,617 |
Barre Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Barre’s area are Vermont Mutual, USAA, and Concord Group.
- Vermont Mutual (89%): Homeowners appreciate their understanding of local construction needs.
- USAA (85%): Members report fast claims processing for qualifying families.
- Concord Group (82%): Users highlight their competitive rates for older homes.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Vermont Mutual | Insurer | 4.5 | 4.5 | 4 | 4 | 89% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 85% |
| Concord Group | Broker | 3.5 | 4 | 3.5 | 4.5 | 82% |
| State Farm | Agents | 4 | 4 | 4 | 4 | 80% |
| Allstate | Agents | 4 | 4.5 | 4.5 | 3.5 | 78% |
See also:
Montpellier Home Insurance Cost
See Montpellier's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Montpellier, switching from a $500 to a $2,000 deductible on a $300K home saves 16.2% annually. The average $300K home costs $1,145 per year with a $500 deductible.
Montpellier homeowners pay 4.6% less than the Vermont average of $2,446 for a $600K home. The average annual $600K premium with a $500 deductible is $2,334.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $566 | $528 | $496 | $475 | $396 |
| $200K Home | $853 | $794 | $747 | $716 | $596 |
| $300K Home | $1,145 | $1,067 | $1,002 | $960 | $800 |
| $400K Home | $1,566 | $1,459 | $1,370 | $1,314 | $1,093 |
| $600K Home | $2,334 | $2,174 | $2,043 | $1,958 | $1,630 |
Montpellier Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Montpelier’s area are Vermont Mutual, Amica, and State Farm.
- Vermont Mutual (91%): Homeowners value their specialized coverage for historic homes.
- Amica (87%): Members praise their high customer satisfaction ratings.
- State Farm (84%): Users appreciate the local agent accessibility.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Vermont Mutual | Insurer | 4.5 | 4.5 | 4 | 4 | 91% |
| Amica | Insurer | 4.5 | 4.5 | 4 | 4 | 87% |
| State Farm | Agents | 4 | 4 | 4 | 4 | 84% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 83% |
| Travelers | Agents | 4 | 4 | 4 | 3.5 | 80% |
See also:
Montpelier Best Refinance Lenders
Montpelier Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Vermont
Weather Risks
Vermont faces a unique set of weather challenges that can drive up the cost of home insurance. Severe winter storms, heavy snowfall, and ice dams are common across the state, leading to property damage from frozen pipes, roof collapse, and water intrusion. Additionally, Vermont’s rural terrain means homeowners often face increased treefall risks during storms. While flooding is less common than in coastal states, some regions—especially near rivers like the Winooski—are prone to spring flooding from snowmelt.
Home Construction Age
Older homes are more common in Vermont than in many states, particularly in towns like Barre, Montpelier, and Brattleboro. While these homes add charm and character, they often come with higher insurance premiums due to outdated wiring, aging roofs, and non-standard construction materials that are more expensive to repair or replace. Insurers may require upgrades to plumbing or electrical systems before issuing policies.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 10% to 15% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 20% to 35% more |
| 41–60 years | 35% to 55% more |
| 60+ years | 60% to 100% more |
Your Credit Score
In Vermont, your credit score can significantly influence your home insurance premium. Insurers consider credit history a risk factor, assuming that individuals with lower credit scores are more likely to file claims. Vermont does not prohibit the use of credit-based insurance scoring, so homeowners with poor credit may pay substantially more than those with excellent credit.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 15% to 25% more |
| Average | 35% to 50% more |
| Poor | 100% to 170% more |
Your Home Location in Vermont
Where you live in Vermont makes a big difference. Cities like Burlington or South Burlington may have lower insurance rates due to better access to fire departments and emergency services. Rural areas, common throughout Vermont, may face higher premiums due to slower emergency response times, limited hydrant access, and increased risks from wood stove usage. Homes near rivers or flood zones (like those in Waterbury or Montpelier) may also require added flood insurance, further raising costs.
Construction Type and Materials
Many older Vermont homes were built using wood and other traditional materials that increase fire risk. Homes with stone or brick exteriors often enjoy slightly reduced premiums due to improved fire resistance. Modern energy-efficient homes, especially those with updated roofing and HVAC systems, may qualify for lower premiums and green home discounts.
Your Claims History
Vermont homeowners with a history of frequent or high-value claims may face significantly increased premiums. Even a single water damage or liability claim can cause rates to spike. Insurers in Vermont carefully review the CLUE (Comprehensive Loss Underwriting Exchange) report, which tracks a home’s insurance claim history, before setting rates.
Best Home Insurance Discounts in Vermont
Several discounts are available to Vermont homeowners looking to save on insurance:
- Bundle Discount: Save by bundling your home and auto insurance with the same provider.
- New Roof Discount: Installing a new roof can reduce rates, especially if it’s fire- or hail-resistant.
- Security System Discount: Burglar alarms, smoke detectors, and smart home systems can all lead to savings.
- Claims-Free Discount: Maintaining a clean claims record for several years lowers your rate.
- Green Home Discount: Energy-efficient homes may qualify for premium reductions.
How to Find Cheap Home Insurance in Vermont
To find affordable coverage in Vermont, homeowners should shop around and compare quotes from multiple providers. Look for local insurers who understand the specific risks of Vermont’s weather and home construction styles. While price is important, the cheapest option may not offer adequate protection. Always review policy details, coverage limits, and customer reviews before choosing a provider.
6 Ways to Reduce Home Insurance Cost
- Upgrade older systems such as wiring, plumbing, and roofing.
- Install safety features like smoke detectors and deadbolt locks.
- Bundle policies for auto, home, or life with one insurer.
- Choose a higher deductible to lower monthly premiums.
- Improve your credit score to access better rates.
- Stay claims-free to earn loyalty or claims-free discounts.
What Does Home Insurance Cover in Vermont?
Typical Vermont home insurance policies cover:
- Dwelling protection for damage to your home’s structure
- Other structures like detached garages or sheds
- Personal property such as furniture and electronics
- Liability protection for injuries or damages you’re responsible for
- Additional living expenses if your home is uninhabitable during repairs
Is Extra Home Coverage Needed in Vermont?
Homeowners in Vermont may need extra coverage options depending on their location and home type:
- Flood Insurance: Not included in standard policies, crucial for homes near rivers or flood zones.
- Earthquake Coverage: Rare but available, especially for homes with older foundations.
- Water Backup: Covers damage from sump pump failures or drain backups, common during spring thaw.
- High-Value Items Rider: Protects jewelry, art, and collectibles beyond standard limits.
Look for extra coverage if your home is in a high-risk area, you own valuable items, or your policy has limited standard protections.
FAQ: Vermont Home Insurance
How much is home insurance in Vermont?
Average annual costs range from $900 to $1,200 depending on home age, location, and coverage levels.
Is flood insurance required in Vermont?
Only in designated flood zones, but it’s recommended if you live near rivers or low-lying areas.
Can I get coverage for an older home?
Yes, but expect higher premiums and possible upgrade requirements for systems like wiring or roofing.
Does home insurance cover snow damage?
Yes, most policies cover damage from snow weight, ice dams, and frozen pipes—common in Vermont winters.
Can I change my deductible?
Yes, choosing a higher deductible can lower your premium, but you’ll pay more out of pocket if you file a claim.