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The Best Homeowners Insurance Companies in Vermont

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    If you’re shopping for homeowners insurance in Vermont, we recommend checking out Vermont Mutual Insurance and Concord Group Insurance. Both companies offer low premiums, 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 the biggest providers in the state based on average rates, coverage options, and discounts. Six companies stood out as the best.

    The 6 Best Homeowners Insurance Companies in Vermont

     Compare Vermont’s top insurance companies


    Average Price AM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    Vermont Mutual Insurance Group$322A+N/A
    Concord Group Insurance$469AN/A
    Travelers$512A++796/1,000
    MMG Insurance$612AN/A
    Union Mutual$643A-N/A
    USAA$653A++878/1,000

    Best Vermont Homeowners Insurance Companies

    Vermont Mutual Insurance

    Vermont Mutual consistently offers low rates for homeowners in Vermont, but the coverage is pretty basic and the discounts are limited.

    Vermont Mutual Insurance Group

    Best for Affordable Policies

    Why we chose it

    We chose Vermont Mutual Insurance because of their affordable policies. Although the company works primarily through agents, you can manage your policy using the online portal to make basic changes and updates.
    • 3.7 Reviews Score
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    We chose Vermont Mutual Insurance because of their affordable policies. Although the company works primarily through agents, you can manage your policy using the online portal to make basic changes and updates.

    Pros

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

    Cons

    • Sparse website
    • Few discounts
    Read More

    Discounts available

    • Bundle home and auto

    Unique features

    Vermont Mutual Insurance offers three tiers of Home Broadening Endorsements, which are meant to fill gaps in your home insurance coverage for things like home systems protection.

    Concord Group Insurance

    Concord Group offers low premiums, a variety of discounts, and great coverage options. If you prefer to work with an agent, Concord Group is a good option. 

    Concord Group Insurance

    Best for Add-on Coverage

    Why we chose it

    Concord Group Insurance offers a variety of coverages that allows homeowners to fully customize their policy based on their needs. Customers can get guaranteed home replacement coverage, ordinance and law coverage, equipment breakdown, identity theft coverage, and more.
    • 4 Reviews Score
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Concord Group Insurance offers a variety of coverages that allows homeowners to fully customize their policy based on their needs. Customers can get guaranteed home replacement coverage, ordinance and law coverage, equipment breakdown, identity theft coverage, and more.

    Pros

    • Excellent add-on coverages
    • Wide variety of discounts

    Cons

    • Poor customer service
    • Have to work with an agent
    Read More

    Discounts available

    • Advance quote
    • New home
    • Claims-free
    • Auto pay
    • Protective devices

    Unique features

    Concord Group offers an optional coverage called the Green Endorsement, which provides up to $20,000 to rebuild your home with eco-friendly materials and energy-saving systems.

    Travelers

    Travelers is a national home insurance provider known for offering decently low rates and good coverage options. It’s also one of the few companies on our list that allows policyholders to manage their policy almost entirely online, from getting a quote to updating your coverage limits.

    Travelers

    Best for Online Policy Management

    Why we chose it

    Overall, Travelers is a solid choice for home insurance, especially if you’re someone who doesn’t want to deal with the hassle of working with an agent. You can get a quote instantly on the website, adjust your coverage limits, and see if you qualify for any discounts.
    • 4.25 Reviews Score
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 796* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Overall, Travelers is a solid choice for home insurance, especially if you’re someone who doesn’t want to deal with the hassle of working with an agent. You can get a quote instantly on the website, adjust your coverage limits, and see if you qualify for any discounts.

    Pros

    • Manage your policy online
    • Multiple discounts

    Cons

    • More expensive premiums
    • Not local to Vermont
    Read More

    Discounts available

    • Multi-policy
    • New home
    • Loss-free
    • Protective device
    • Green home

    Unique features

    Travelers’ OpenHouse database allows home buyers to see the loss and repair history of properties they’re looking at, as well as property trends in certain neighborhoods. 

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on Travelers:

    MMG Insurance

    MMG Insurance stands out for its excellent financial strength, with an A rating from A.M. Best. We also found that MMG Insurance has great customer service reviews, which can be hard to find in the insurance industry.

    MMG

    Best for Customer Service

    Why we chose it

    MMG is a smaller, local insurance provider, and it has tons of great testimonials for its customer service. You have to work with an agent for most things, but it does offer an option for online claims, online payments, and basic online policy management.
    • 4 Reviews Score
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    MMG is a smaller, local insurance provider, and it has tons of great testimonials for its customer service. You have to work with an agent for most things, but it does offer an option for online claims, online payments, and basic online policy management.

    Pros

    • Excellent financial strength
    • Good customer reviews

    Cons

    • Expensive premiums
    • Few discounts
    Read More

    Discounts available

    • Policy bundling

    Unique features

    MMG Insurance offers two coverage tiers — Home Advantage and Home Advantage Ultra — which includes increased coverage for things like valuables, watercrafts, medical payments, computer coverage, and much more.

    Union Mutual Insurance

    Union Mutual Insurance offers a wide variety of discounts that can help Vermont homeowners lower their premiums. However, their rates are more expensive to begin with.

    Union Mutual

    Best for Discounts

    Why we chose it

    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 home in superior condition, being a loyal customer, having a permanent generator in their home, and more.
    • 4 Reviews Score
    • A- AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    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 home in superior condition, being a loyal customer, having a permanent generator in their home, and more.

    Pros

    • Great discounts
    • Variety of coverage options
    • Bundling options

    Cons

    • More expensive premiums
    Read More

    Discounts available

    • In-home generator
    • Policy bundling
    • Loyalty
    • Standing seam roof
    • New home

    Unique features

    Union Mutual offers a number of different home insurance policies, including some that are hard to find. For example, high-risk homeowners can purchase HO-2 coverage from Union Mutual, which is typically hard to find. 

    USAA

    USAA appears at the top of rating lists for its excellent customer service, comprehensive policies, and fair prices. The only catch is that you must be a current or former member of the military community to purchase a policy — but if you are, the company should be your first stop.

    USAA

    Best for Military Members and Families

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 878* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • B+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.

    Pros

      Cons

        Read More

        *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

        Further Reading on USAA:

        Average Cost of Homeowners Insurance in Vermont

        In Vermont, the average cost of homeowners insurance is $918 per year, according to the Insurance Information Institute. Generally speaking, home insurance in Vermont is cheap — it ranks as the 41th most expensive state for insurance, meaning only eight states have cheaper rates. In comparison, the nationwide average rate is $1,211 per year.

        Home Insurance Add-Ons That Will Further Protect You

        Vermont homeowners can choose to purchase add-on policies to boost their home insurance coverage. Some common add-on policies are water backup coverage, replacement cost coverage, inflation guard protection, and identity theft coverage. If you keep valuables in your home, consider adding scheduled personal property coverage, which raises your coverage limit for things like jewelry, art, and coins.

        The Cheapest Homeowner Insurance Companies in Vermont

        Largest Companies by Market Share in VermontAverage Annual Premium
        Vermont Mutual Insurance Group$322
        Concord Group Insurance $469
        Travelers$512
        MMG Insurance$612
        Union Mutual$643
        USAA$653
        Allstate$665
        State Farm$796
        Co Operative Insurance$867

        Cost of Homeowners Insurance by Age of Home

        Age of Home (years)Sample Annual Premium
        5 years$614
        20 years$770
        35 years$775
        50 years$776
        Average across ages$734

        Top 3 Cheapest Homeowners Insurance Companies in Vermont 

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

        Top 3 Most Expensive Homeowners Insurance Companies in Vermont

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

        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 includes answers to frequently asked questions, a breakdown of policies, coverage options, and more. Before you purchase a policy, we recommend getting quotes from a few different providers. For the most accurate rate, contact an agent directly. 

        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.

        Methodology

        We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

        • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
        • Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
        • Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
        • Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

        About the Authors

        Elizabeth Rivelli

        Elizabeth Rivelli Contributing Writer

        Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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