If you’re shopping for homeowners insurance in Vermont, we recommend checking out Vermont Mutual Insurance and Concord Group Insurance. Both companies tend to price at or below Vermont’s current statewide averages for standard coverage, and Vermont itself remains one of the lower-cost states for home insurance. For 2025, multiple market studies place average premiums roughly in the upper $600s to low $700s per year for a $250,000 dwelling limit (see Bankrate), while $300,000 dwelling profiles typically land near the low‑$1,000s (see Policygenius and Insurance.com). Vermont’s average expenditures remain well below U.S. levels in the latest official NAIC benchmark compiled by the Insurance Information Institute, which is ideal for Vermont homeowners who are looking for cheap home insurance.

To compile our list of the best home insurance companies in Vermont, we reviewed leading providers active in the state using current (2025) statewide pricing benchmarks, coverage breadth and endorsements, available discounts, financial strength (verified via A.M. Best), and recent customer-experience indicators (e.g., the latest J.D. Power U.S. Home Insurance Study methodology). Five companies stood out as the best when balancing affordability, stability, and coverage flexibility.

The 5 Best Homeowners Insurance Companies in Vermont

• Vermont Mutual Insurance Group
• Concord Group Insurance
• Travelers
• MMG Insurance
• Union Mutual

Compare Vermont’s top insurance companies

* Vermont’s 2025 statewide average for a standard HO‑3 with $250,000 dwelling coverage typically falls in the upper $600s to low $700s per year based on Bankrate. For $300,000 dwelling coverage, recent estimates land near the low‑$1,000s in 2025 per Policygenius and Insurance.com. Actual premiums vary by company and profile.

** J.D. Power’s U.S. Home Insurance Study is updated annually on a 1,000‑point scale. Brand rankings and scores vary by year and region; consult the latest edition when comparing carriers.

Best Vermont Homeowners Insurance Companies

Vermont Mutual Insurance

Vermont Mutual commonly competes near Vermont’s 2025 statewide average for standard HO‑3 coverage at $250,000 Coverage A (upper $600s–low $700s per Bankrate). Policies are sold through local agents, with online account tools for payments and basic servicing. Financial strength is strong (A.M. Best Financial Strength Rating reported as A+); always verify current ratings with A.M. Best.

Concord Group Insurance

Concord Group offers competitive premiums, a broad slate of endorsements, and multiple discounts. It’s a strong fit if you prefer agent-guided service and want to tailor protections beyond base HO forms (e.g., ordinance or law, equipment breakdown, identity theft). Pricing commonly tracks near Vermont’s 2025 statewide averages for $250,000 Coverage A (Bankrate).

Travelers

Travelers is a national carrier with robust digital self‑service, competitive pricing in many Vermont territories, and a deep add‑on menu. You can quote online, adjust limits, and add popular endorsements like service line and equipment breakdown (availability varies by state and underwriting). In 2025, Vermont-wide averages at $250,000 Coverage A remain in the upper $600s–low $700s per Bankrate; individual Travelers quotes can be above or below this benchmark depending on profile.

Further Reading on Travelers:

• Travelers homeowners insurance review
• Travelers renters insurance review
• Travelers auto insurance review

MMG Insurance

MMG is a regional insurer with strong financials (A.M. Best FSR reported as A) and agent-centric service. Vermont customers report positive experiences with claims and local agents in many markets, and online tools support payments and basic account management. Always verify current FSRs and outlooks with A.M. Best.

Union Mutual Insurance

Union Mutual offers a wide variety of discounts that can help Vermont homeowners lower their premiums. Its pricing can be at or above Vermont’s 2025 statewide average depending on home characteristics and credits, so quote with and without select endorsements to find value.

Average Cost of Homeowners Insurance in Vermont

For 2025, Vermont’s average quoted premium for a standard HO‑3 policy with $250,000 in dwelling coverage typically falls in the upper $600s to low $700s per year based on Bankrate. At $300,000 in Coverage A, statewide averages generally run in the low‑$1,000s according to Policygenius and Insurance.com. The latest official NAIC expenditure benchmark (via the Insurance Information Institute) shows Vermont remains among the lowest‑cost states, even as premiums have risen since 2021 due to inflation in materials and labor, higher reinsurance costs, and risk repricing. Your price will vary with home specifics, coverage selections, and credits.

Home Insurance Add-Ons That May Further Protect You

A standard HO policy covers dwelling (A), other structures (B), personal property (C), loss of use (D), liability (E), and medical payments (F). To fill common gaps, many Vermont homeowners consider endorsements such as water/sewer backup (see Nationwide’s overview for what this add‑on addresses), service line coverage for underground utilities you own, and equipment breakdown for sudden mechanical/electrical failures of home systems. Scheduling valuables (jewelry, art) raises low sub‑limits in base policies. Note that flood is not covered by standard homeowners insurance; purchase separate flood insurance through the NFIP or private markets. For policy basics, review the NAIC’s homeowners guide. Endorsement availability and limits vary by insurer and Vermont underwriting; ask your carrier or agent about eligibility and pricing.

The Cheapest Homeowner Insurance Companies in Vermont

* Use Vermont’s current statewide benchmarks as a reality check: ≈$675–$725 per year at $250,000 Coverage A (Bankrate) and roughly low‑$1,000s at $300,000 (Policygenius; Insurance.com). Always verify with live quotes; carrier averages vary by location, coverage, and credits.

Top 3 Cheapest Homeowners Insurance Companies in Vermont 

• Vermont Mutual – often prices at or below the VT average for many profiles (2025); confirm with quotes
• Concord Group – competitive with strong discount eligibility; pricing commonly near VT average
• USAA – frequently among the lowest for eligible members; membership required

Top 3 Most Expensive Homeowners Insurance Companies in Vermont

• Co Operative Ins Co – quotes can trend above the VT average in some territories; verify with local agents
• Union Mutual – base premiums may be higher for certain profiles, though discounts can offset costs
• Travelers – typically mid‑pack; in some profiles/locations, quotes may run higher than VT averages

Resources Helpful for Vermont Homeowners

Vermont home buyers can check out this home insurance buyer’s guide from Vermont’s Department of Financial Regulation. It explains standard coverages, exclusions, and shopping tips. For 2025 pricing context, compare your quotes with statewide averages from Bankrate, Policygenius, and Insurance.com. Vermont also maintains stronger river corridor and flood hazard standards that can affect underwriting near waterways; see the state’s flood hazard & river corridor rule. For flood options and uptake, review FEMA’s OpenFEMA NFIP policies dataset. For broader insurance market oversight and rate filing context, see DFR’s health rate review portal (Green Mountain Care Board) and DFR press releases for cross‑line updates and guidance.

Homeowners Insurance FAQ 

Methodology

We evaluated Vermont home insurance carriers using a combination of current (2025) statewide pricing benchmarks, third‑party indicators of financial stability, coverage and endorsement breadth, discounts, and customer‑experience signals. Pricing context reflects recent statewide averages from Bankrate for $250,000 Coverage A and from Policygenius and Insurance.com for $300,000 Coverage A. Vermont’s long‑run position as a lower‑cost state is anchored by NAIC expenditure data via the Insurance Information Institute.

To compare home insurance companies across the board, we considered the following factors:

• Customer Ratings — We referenced the latest J.D. Power U.S. Home Insurance Study (1,000‑point scale) for methodology and current context. Brand rankings vary by year; consult the latest study prior to purchase.
• Coverage — We compared base HO forms and key add‑ons (water backup, service line, equipment breakdown, ordinance or law, scheduled valuables). See the NAIC homeowners guide and carrier product pages for details and availability.
• Confidence — Financial strength references are based on A.M. Best Financial Strength Ratings (FSRs). Verify each insurer’s current FSR, outlook, and rating action date on AM Best before binding coverage.
• Customer Experience — We reviewed recent complaint and service indicators using NAIC benchmarking concepts and state consumer guidance; complaint levels can vary year‑to‑year and by carrier.

Rates shown in this review are contextual statewide benchmarks from 2025 market surveys (Bankrate; Policygenius; Insurance.com) and are for comparative purposes only. Your quotes may be higher or lower.

The coverage limits for home insurance rates reflect the following coverage and limits:

• Coverage A, Dwelling: $250,000
• Coverage B, Other Structures: $25,000
• Coverage C, Personal Property: $125,000
• Coverage D, Loss of Use: $50,000
• Coverage E, Liability: $300,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). †Premium figures shown as “≈$700” reference Vermont’s 2025 statewide average for $250,000 Coverage A; see sources above for details.

Keep Reading

Guide to Homeowners Insurance Coverage

Homeowners Insurance Buyer’s Guide

The Best Companies for Bundling Home and Auto Insurance in 2025