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Last updated on May 19, 2020

Best Homeowners Insurance Companies in Vermont

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Vermont’s annual premiums for homeowners insurance are on the lower side — on average $873 per year for an HO-3 policy, compared to the nationwide average of $1,173. 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:

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What Does Homeowners Insurance Cost in Vermont?

Average annual premium in Vermont: $873

$0 $2,500
U.S. Average

Based on our research, the best homeowners insurance companies in Vermont are Vermont Mutual Insurance and Concord Group Insurance. They offered the lowest premiums, which were far below the state-wide average.

To create this list of the best home insurance companies in Vermont, we looked at the biggest companies in the state and evaluated each by price, policy offerings, customer service, discounts and financial strength.

The 6 Best Homeowners Insurance Companies in Vermont

Average Cost of Homeowners Insurance in Vermont

In the state of Vermont, the average cost of homeowners insurance is $854 per year. That cost is slightly lower than the national average, which is $1,211 annually. 

However, home insurance premiums are highly individualized. The amount you’ll pay depends on a number of different factors, like your age, gender, marital status, and credit score. Certain factors about your home also contribute to your rate, such as zip code, the size of the home, the materials it’s built with, and more.

Home Insurance add-ons that will further protect you

In Vermont, the most severe forms of weather are related to snow and ice, which is covered under basic home insurance policies. Additionally, the risk of floods, earthquakes and hurricanes is low. Because of that, add-on policies for flood, earthquake or windstorm coverage aren’t always critical. 

However, you can purchase those coverages to give you added peace of mind in case an unexpected event did occur.

Helpful Resources for Vermont Homeowners

If you’re looking for advice on getting home insurance in Vermont, you can check out this home insurance buyer’s guide with answers to frequently asked questions, a breakdown of policies, coverage options and more.

In order to get an accurate quote for your home insurance, Vermont residents likely need to contact an agent directly. 

The only companies on our list that offer online quotes are Travelers and USAA. For either option, you’ll need to provide basic personal information, as well as information about your home.


To determine the best homeowners insurance companies in Vermont, we started by comparing the largest companies in the state. From there, we evaluated each provider on their average price based on a sample quote. We also looked at customer service reviews, financial strength, and the discounts each company provides to their customers.

We worked with Quadrant Information Services to provide data on home insurance rates by company, state, and age of home. Quadrant makes this information available using rate data insurers are required to file with state Departments of Insurance. Rates are based on a sample profile created by Reviews.com for comparative purposes.

Best Vermont Homeowners Insurance Companies

Vermont Mutual Insurance

Best Companies For
Vermont Homeowners Insurance
Vermont Mutual Insurance Group
Vermont Mutual Insurance Group


  • Affordable premiums
  • Customer portal makes it easy to manage your policy




  • Not many discounts
  • Have to work with an agent


The most appealing aspect of Vermont Mutual Insurance is that the company offers consistently low rates for homeowners in Vermont. Their average premium of $322 is well below the state-wide average of $854. We also like that the company offers an online portal where customers can manage their policy, check the status of a claim, and make payments.

However, customers have to work with an independent agent in order to get a quote and purchase a policy. On top of that, the company doesn’t have stellar customer reviews. 

Also keep in mind that while Vermont Mutual Insurance offers very low premiums, they only offer discounts to customers who have both a home and auto policy with the company.

Concord Group Insurance

Best Companies For
Vermont Homeowners Insurance
Concord Group Insurance
Concord Group Insurance


  • Good prices
  • Wide variety of discounts



  • Poor customer service
  • Have to work with an agent


Concord Group offers low premiums, with an average rate of $469 per year. They also offer a variety of discounts that can help customers save even more money, like choosing paperless billing, getting a quote in advance, and insuring a newer home.

The biggest downside to Concord Group is that all customers have to work with an independent agent to get a quote, purchase a policy, and file a claim. It’s not the most convenient option for people who want to manage their policy on the go. Concord Mutual doesn’t have the greatest customer service either, with an average of 2.1 stars by customer reviews.


Best Companies For
Vermont Homeowners Insurance


  • Manage your policy online
  • Multiple discounts



  • More expensive premiums
  • Not local to Vermont


Travelers is one of the only companies we looked at that allows customers to get a quote, manage their policy, and file a claim online. The company also offers a number of discounts that can help homeowners lower their premium. We like that Travelers is very strong financially, with an A++ rating from A.M. Best and a AA rating from S&P.

However, Travelers home insurance is more expensive, with an average rate of $512 per year. Another thing to keep in mind is that Travelers is not local to Vermont. 

Because agents aren’t exclusively familiar with the state, they may not be easily able to recommend add-on policies or coverage levels based on weather events or other losses that are common in Vermont. It’s important to know what events are likely to affect your home and what coverages can provide adequate protection. 

MMG Insurance

Best Companies For
Vermont Homeowners Insurance


  • Financial strength
  • Good customer reviews



  • Expensive premiums
  • No discounts


MMG Insurance is financially strong, with an A rating from A.M. Best. That means you can rest assured that they’ll be able to reimburse you for any covered losses. The company also has good customer testimonials praising their professionalism, quick response time, and helpful answers to questions.

However, MMG is more expensive than many other providers we looked at, especially for a local company. On top of that, it’s not clear whether they offer any discounts on their policies. We recommend contacting the insurance company to see if there are any unadvertised discounts you can take advantage of to reduce your premium.

Union Mutual Insurance

Best Companies For
Vermont Homeowners Insurance
Union Mutual
Union Mutual



  • Good discounts
  • Variety of coverage options




  • Expensive premiums
  • Poor customer service reviews


Union Mutual offers the most extensive list of discounts of all the providers on our list. Customers can save money by bundling their policies, insuring a newer home, having a generator, and more. 

The company also offers a variety of coverage options, so whether you live in a house, mobile home, or condo, Union Mutual has you covered.

The major downside of Union Mutual is that the prices are high compared to other providers we looked at, with an average premium of $643 per year. They also don’t have the best customer service ratings, averaging one-star reviews on BBB.


Best Companies For
Vermont Homeowners Insurance



  • Excellent ratings
  • Online quote tool and claim reporting




  • Only available to military members and families
  • Expensive premiums


USAA is one of the best insurance companies on the market. They have excellent ratings across the board from companies like J.D. Power, A.M. Best, and Moody’s. They also offer online tools to help customers get a quote, manage their policy, and file a claim.

The main reason why USAA isn’t at the top of our list is because coverage is limited to members of the military, veterans, and their immediate families. They also offer pretty expensive premiums, at $653 per year on average. USAA offers the most expensive home insurance on our list, but it’s still cheaper than the state-wide average.

The Cheapest Homeowner Insurance Companies In Vermont

Largest Companies by Market Share in Vermont
Average Annual Premium
Vermont Mut Ins Co
Concord Gen Mut Ins Co
MMG Ins Co
Union Mut Fire Ins Co
State Farm
Co Operative Ins Co

Cost of Homeowners Insurance by Age of Home

Dwelling Coverage
Average Across Ages

Quadrant home insurance rate data as of 12/01/2019.

These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for the cheapest home insurance companies in our methodology.

Top 3 Cheapest Homeowner Insurance Companies in Vermont

  • Vermont Mutual Insurance – $322
  • Concord Group Insurance – $469
  • Travelers – $512

Top 3 Most Expensive Homeowner Insurance Companies in Vermont

  • MMG Insurance – $612
  • Union Mutual Insurance – $643
  • USAA – $653

Based on our research and sample quotes, Vermont Mutual Insurance is the cheapest provider and USAA is the most expensive provider. 

However, remember that your home insurance rate depends on a number of different factors, like your age, your credit score, the size of your home, where it’s located and more. 

The best way to determine which provider will give you the most value is to get multiple personalized quotes.

Homeowners Insurance FAQ

Is homeowners insurance required in Vermont?

No, homeowners insurance is not required in Vermont. However, most mortgage lenders will require you to have a minimum amount of home insurance before they approve your loan. Even if you don’t have a loan, getting homeowners insurance is still a smart precaution. 

What is the cheapest homeowners insurance in Vermont?

Based on our evaluation, the cheapest homeowners insurance in Vermont is Vermont Mutual Insurance. But remember that insurance is very personalized. The only way to know which provider is the cheapest for you is to get and compare multiple quotes.

About the Authors

Elizabeth Rivelli

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is a Rhode Island-based copywriter and content marketing consultant. She has expertise writing about home, auto and business insurance, and has been published in widely-read publications, including the Simple Dollar, Bankrate and Decision Data. Elizabeth holds a BA in Communications from Northeastern University in Boston.