The 5 Best Vermont Homeowners Insurance Companies

Vermont’s annual premiums for homeowners insurance are on the low side — on average $844 per year for an HO-3 policy, compared to the nationwide average of $1,132. That said, how much you’ll pay can vary a lot depending on your home’s size, your assets, and your address. Use our tool to find your best rates:

Average annual premium in Vermont
$0 $2,500
Homeowners in Oregon pay the least
Average annual premium in the US
Homeowners in Florida pay the most

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Find the best homeowners insurance in Vermont

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Home to verdant forests and the Green Mountains, Vermont is a haven for residents who enjoy the peacefulness of small town life. Homeowners in Vermont will be glad to know that the state has some of the lowest premiums in the country, falling 19 percent below the national average. What’s more, the state has some of the oldest regional insurance providers in the country, with some in business for over 150 years.

Homeowners in Vermont are no strangers to severe weather. Snow storms in the winter and flooding in the spring can be par for the course, depending on where in the state you live. Because of that, insurance premiums can vary quite a bit based on location. We recommend entering your zip code into the tool below to get a rough idea of what homeowners insurance would cost you.

How We Found the Best Homeowners Insurance in Vermont

We selected the best home insurance companies in Vermont by first identifying the five largest insurers by market share. Applying methodology similar to the one used in our nationwide review, we evaluated each company’s coverage options, online resources, and customer service. We also looked at endorsements and available discounts as we applied for quotes. Each data point was assigned a number value and the cumulative scores for each company determined our top picks. Read on to see how each company stacked up.

Vermont Homeowners Insurance Reviews

Liberty Mutual

Due to its well-rounded service, Liberty Mutual was the clear winner in Vermont for best home insurance provider in Vermont. The company offers an array of discounts, including a group discount available through over 14,000 employers, in addition to standard multi-policy and safe homeowners deductions. Liberty Mutual also has stellar financial rankings from A.M. Best and Standard and Poor’s.

What really sets Liberty Mutual apart, however, is its commitment to customer care. The Emergency Home Repairs service, available around the clock, ensures a vetted professional will be sent to your home to immediately begin repairs as soon as you report damage. That sort of protection can provide serious peace-of-mind that other insurers simply don’t offer.

State Farm

State Farm is one of the most respected providers in the country and for good reason — its claims, endorsements, customer service, and financial strength all received top marks in our evaluation. While the company didn’t offer quite as many unique benefits as Liberty Mutual, State Farm is a trusted, comprehensive provider with a robust online learning center especially suited for a first-time insurance buyer.

Standard State Farm policies cover sewer backup, freezing, and damage from the weight of snow or ice, all of which are issues Vermont residents regularly encounter. Furthermore, it offers a wide array of discounts, including up to 17 percent off when you bundle your homeowners insurance with another policy, such as auto or life insurance.

Union Mutual

As far as smaller providers are concerned, Union Mutual by and large had the best online resources of the bunch. Its FAQ page and resource center is robust, making it a good option for first-time insurance buyers who are still interested in the benefits of a local company. What’s more, we appreciated Union Mutual’s transparency around flood insurance (which is not included in normal homeowners insurance policies), something we rarely encountered in our research.

Union Mutual has also been in business since 1875, first serving the community of Montpelier. That sort of longevity speaks to the company’s commitment to its customers and efficacy in the claims process.

Co-operative Insurance

While Co-operative Insurance’s website was somewhat lacking when it came to educational resources, it’s a worthwhile option for those seeking a local provider with roots in the larger Vermont community. The company is especially adept at connecting homeowners with appraisers, independent adjusters, cleaners, contractors, and attorneys should you have to file a claim.

We liked Co-operative Insurance for its farm and mini-farm insurance options, something that will benefit Vermont homeowners who either get their livelihood from or dabble in the agricultural arts. Quotes will vary significantly depending on the age of your home and location within Vermont, so we recommend calling an agent to get a rough estimate.

Vermont Mutual Insurance

Vermont Mutual has been in business nearly 200 years, since 1828 to be exact, which means it’s doing something right. The company also received an A+ rating from A.M. Best, a solid indicator that customers are happy with the financial reimbursements for filed claims.

While the company offers coverage options for single-family houses, condos, and mobile homes, it also provides a Home Business Endorsement for those who operate businesses on residential property. This cuts out the need to purchase a separate commercial property policy, saving small business owners big over the long-run. Because it’s a local company, however, Vermont Mutual doesn’t have some of the online resources — such as a quote tool or education center — that other major insurers provide.

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What We Learned

Radon gas is an issue.

Radon, a naturally occurring radioactive gas, is present in unsafe levels in 1 out of 8 Vermont homes. Because it has no odor or color, it’s important you test your home to ensure you’re breathing clean air and living without health hazards. You can request a radon detection kit from the Vermont government. If you do find you’re at risk for high levels of radon, you can seek out professionals who can install radon reduction kits, which typically range from $800-$2500.

Vermont’s rates are some of the lowest in the country.

While Vermont residents definitely know a thing or two about the snow, the state doesn’t experience too much inclement weather beyond that. There can be floods, however, and you should check with your insurance agent to see if your home location might predicate additional flood coverage.

Beyond that, Vermont’s home values are fairly affordable (around $200,000) which helps keep rates low. Compare that to some neighboring states like Massachusetts (which average home value clocks in at $350,000) and you can see why so many people love calling Vermont home.

You should be wary of freezing pipes.

The past few winters have been especially harsh, which has led to an uptick of burst pipes in places like Stowe. Protect your home by keeping your home temperature at 68 degrees or higher, even when you leave the house. It also helps to open cabinet doors beneath sinks to allow heat from the home to circulate near the pipes.

The Bottom Line

While home insurance premiums in Vermont are fairly low, it never hurts to shop around. You might find wide variance from provider to provider, so it helps to talk to an agent to assess your needs and ensure you’re not overpaying or underpaying for home insurance. To get a rough estimate of costs in your area, enter your zip code into the tool below.

Find the best homeowners insurance in your area.

Get a quote by entering your ZIP code and start saving today.