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Best Home Insurance Companies in Vermont (2021)

If you live in Vermont, you may encounter a variety of natural disasters, including tornadoes and winter storms. Luckily, home insurance can protect your home from any damages that these events could cause. Keep reading to learn more about the best home insurance companies in the state.

A stone house with large stone front porch, green yard, and colorful flowerbeds. Adobe

Vermont is filled with older historic homes in addition to a growing inventory of new houses. These houses can be vulnerable to a range of natural disasters common to the area, such as tornadoes, severe thunderstorms, and snowstorms. Whether you live in the historic town of Manchester or near the Canadian border, purchasing a homeowners insurance policy is the best way to protect your home from these unpredictable events.

The This Old House Reviews team researched dozens of providers to determine the best home insurance companies in Vermont. We also included a few sample quotes for homes in various cities throughout the state to give you an idea of home insurance pricing.

Ultimately, we encourage readers to call 855-948-5219 or use the online quote tool below to get started with a custom home insurance quote:

Vermont’s Top 3 Home Insurance Companies

  1. Best Endorsements: State Farm
  2. Best Discounts: Liberty Mutual
  3. Most Experience: Travelers

1. Best Endorsements: State Farm

With a 96.6 out of 100, State Farm is at the top of our list for its performance in customer service, unique features, and reputation, but it stands out most for its additional coverage options. Policyholders can add coverage for water backup, earthquake protection, identity theft restoration, loss assessment for homes under an HOA, energy efficiency upgrades, home systems protection, and service line coverage.

Additionally, State Farm’s local agents can offer even more protection for items like home rental coverage, business liability, off-premises structures coverage, and vacant home coverage.

Here are a few more State Farm benefits:

  • Connects each customer to a local agent during the quote process
  • Offers a generous home and auto insurance bundle discount up to 35% (based on the sample quotes we received)
  • Includes extra coverage for firearms, silverware, and fire department service fees

State Farm Sample Pricing

City (ZIP code) Burlington (05408) Middlebury (05753) Manchester (05255)
City (ZIP code) Burlington (05408) Middlebury (05753) Manchester (05255)
House square footage 1,600 1,300 2,300
Year built 1950 1967 1988
Dwelling limit $242,000 $250,000 $300,000
Personal property coverage 75% of dwelling 75% of dwelling 75% of dwelling
Liability coverage $300,000 $100,000 $300,000
All-peril deductible $2,000 $2,000 $2,000
Wind/hail deductible N/A N/A N/A
Monthly premium $69.66 $79.16 $97.16

2. Best Discounts: Liberty Mutual

Not far behind State Farm, Liberty Mutual scored a 95.1 out of 100 in our review, impressing us with its discount options. Some examples of potential discounts include savings for protective devices, such as home security systems, fire alarms, fire sprinklers, and water detection equipment, a discount for fully insuring your home up to its estimated value, a claims-free history discount, a discount for bundling with car insurance, and a discount for 10% off your premium just for purchasing your policy online.

Get access to the instant 10% savings by getting a quote and signing up for your policy on the company’s website.

Liberty Mutual also features the following benefits:

  • Includes inflation protection, which automatically increases your coverage limits each year to keep up with inflation and ensure your home is fully covered
  • Has a mobile app for policy management and claims
  • Features an online chat during the quote process

Liberty Mutual Sample Pricing

City (ZIP code) Burlington (05408) Middlebury (05753) Manchester (05255)
City (ZIP code) Burlington (05408) Middlebury (05753) Manchester (05255)
House square footage 1,600 1,300 2,300
Year built 1950 1967 1988
Dwelling limit $225,000 $250,000 $300,000
Personal property coverage 75% of dwelling 75% of dwelling 75% of dwelling
Liability coverage $300,000 $100,000 $300,000
All-peril deductible $1,500 $1,500 $1,500
Wind/hail deductible $1,500 $1,500 $1,500
Hurricane deductible $1,500 $1,500 $1,500
Monthly premium $77.00 $108.00 $150.00

3. Most Experience: Travelers

Scoring a 93.6 out of 100, Travelers is one of the oldest companies in the industry, bringing expertise and trustworthiness to customers. Travelers has built a strong reputation for more than 160 years, and it has an A+ rating from the Better Business Bureau (BBB) and an A++ (superior) financial strength rating from A.M. Best.

To get a free Travelers home insurance quote call: 844-204-3517

In addition to its extensive experience, Travelers offers impressive deductible options ranging from $1,000 to $50,000 for homeowners in Vermont who want to customize their premium. It also features a Decreasing Deductible benefit, which helps lower out-of-pocket expenses by crediting your account with $100 towards your deductible each year you don’t file a claim. With no cap on this feature, you could spend as little as $0 on your next claim.

Visit Travelers’ website to get an instant quote.

We were also impressed with Travelers for the following reasons:

  • Provides an add-on for equipment breakdown, which covers necessary repairs or replacements on systems and appliances after a mechanical or electrical failure
  • Offers the Additional Coverage Package, which increases your replacement cost coverage and adds coverage for items like refrigerated property and personal injury
  • Includes more personal property coverage options than the other providers in this review

Travelers Sample Pricing

City (ZIP code) Burlington (05408) Middlebury (05753) Manchester (05255)
City (ZIP code) Burlington (05408) Middlebury (05753) Manchester (05255)
House square footage 1,600 1,300 2,300
Year built 1950 1967 1988
Dwelling limit $225,000 $210,000 $300,000
Personal property coverage 75% of dwelling 75% of dwelling 75% of dwelling
Liability coverage $300,000 $100,000 $300,000
All-peril deductible $1,000 $1,000 $1,000
Wind/hail deductible $1,500 $1,500 $1,500
Monthly premium $62.23 $73.22 $114.95

Our Conclusion

After evaluating your coverage needs, let your priorities guide your choice on home insurance in Vermont. Look to State Farm for its add-on options, Liberty Mutual for the most discount opportunities, and Travelers for a trustworthy provider with many years of experience.

We recommend getting quotes from at least three providers to compare insurance rates based on your information, since quoted premiums vary greatly depending on your home’s location, age, construction type, size, and other factors.

Call 855-948-5219 or use the easy tool below to get instant quotes from providers in your ZIP code:

Compare Homeowners Insurance Companies in Vermont

Provider State Farm Liberty Mutual Travelers
Provider State Farm Liberty Mutual Travelers
Get a free quote Not available through This Old House LibertyMutual.com Travelers.com
Our score 96.6 95.1 93.6
Personal property coverage limits 75%–100% of dwelling 75% of dwelling 25%–100% of dwelling
Liability coverage limits $100,000, $300,000, $500,000, $1 million $100,000, $200,000, $300,000, or $500,000 $100,000, $300,000, $500,000
Sample premium* $69.66 $77.00 $62.23
Unique add-ons Earthquake insurance, service line coverage, home systems protection Blanket jewelry coverage, home computer and smartphone coverage Equipment breakdown coverage, Decreasing Deductible benefit
Customer service 24/7 for claims, local agents’ hours vary 24/7 for claims 24/7 for claims
BBB rating** NR A+ A+

*Based on sample quotes we received on a 1,600-square-foot single-family house in Burlington, Vermont

**Figures pulled from the companies’ Better Business Bureau (BBB) profiles as of May 25, 2021

Vermont Homeowners Insurance Coverage

A homeowners insurance policy includes the following six coverage types to keep your home fully protected from unexpected events:

  1. Dwelling coverage—This covers the structure of your home when it needs to be repaired, rebuilt, or replaced after a covered peril. For instance, your provider will pay up to your dwelling limit if your home burns down from a fire. Your coverage limit for this category is typically equal to 100% or more of your house’s total estimated value to ensure it will be returned to its original state during a claim.
  2. Other structures coverage—Since your dwelling coverage is specifically set aside for your home’s primary structure, this category helps pay for any necessary repairs or rebuilding to external structures that aren’t a part of your house’s dwelling, such as a fence or backyard shed. The coverage limit for this should be around 10% of your dwelling limit, but we recommend increasing that if you have multiple external structures on your property.
  3. Personal property coverage—When your personal belongings are lost, damaged, ruined, stolen, or vandalized, your provider will pay for their replacement or reimburse you for their depreciated value. The limit for this coverage type is usually around 60%–75%, but Travelers lets you lower it to 25% to save money on your premium. For the most comprehensive coverage, you can pay extra for your policy to cover the replacement cost. Travelers also includes replacement cost in standard quotes, making it a good option for those with older items.
  4. Personal liability coverage—This pays for any medical costs or legal fees that could arise when you’re responsible for an accident or injury to a guest on your property. Coverage for this type is customizable, but the limit typically falls around $100,000–$300,000. We suggest purchasing more coverage if you plan on having people over regularly to ensure you’re fully covered when something happens.
  5. Medical payments to others coverage—This coverage type pays for medical costs associated with an injury to someone else on your property when you’re not the one responsible. For instance, if a guest hurts themselves in your kitchen, you could file a claim with your provider to pay for their doctor bills up to the agreed amount, which is typically around $1,000–$5,000. For extra coverage in this category, State Farm and Travelers both offer a high coverage option of $10,000.
  6. Loss of use coverage—When you file a claim on your damaged home and it’s deemed unlivable by the insurer until repaired or rebuilt, your loss of use coverage will pay for additional living expenses that may arise while you’re staying away from your property, such as hotel fees or meal costs. Limits for this category are typically around 10%–20% of your dwelling amount.

Factors To Consider Before Buying Homeowners Insurance

Before purchasing a policy, here are a few factors that could impact your coverage and premiums:

  • Home value—Understand your home’s overall value before purchasing home insurance in Vermont, since that’s the amount of dwelling coverage necessary to fully protect your house. If your dwelling coverage is lower than your home’s value, you could be forced to live with unfinished repairs or pay thousands of dollars out of pocket during a claim. The providers in this review each offer useful home value estimation tools on their websites, but hiring a professional appraiser can help you get the best estimate for how much dwelling coverage you need.
  • Endorsements—Also known as add-ons, riders, or floaters, endorsements are additional coverage options offered by home insurance providers. For example, State Farm offers identity theft protection as an add-on and Travelers has equipment breakdown coverage for when your home systems and appliances breakdown from a mechanical or electrical failure.
  • Deductible—A deductible is the amount you owe during a claim before your home insurance coverage kicks in. For example, if your deductible is $2,000 and you file a claim for $20,000 in repairs, your provider will pay $18,000 after you pay the deductible. Wind and hail deductibles apply to claims from damage related to wind or hail, whereas all-peril deductibles apply to other scenarios.

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

FAQs About Homeowners Insurance in Vermont

How much does home insurance in Vermont cost?

According to the Insurance Information Institute (III), the state of Vermont had one of the lowest average insurance rates in the country in 2018 at $935 per year or $77.92 per month. This was $315 per year lower than the national average of $1,249. However, the price you’re quoted for will vary depending on your personal information and property details.

After gathering sample quotes on standard homes in various cities in the state, we found home insurance in Vermont to typically cost around $70–$150 per month.

Is home insurance required in Vermont?

Although homeowners insurance isn’t legally required in any state, many mortgage lenders require borrowers to get a policy with a certain amount of coverage to protect their investment. Regardless of whether or not your lender requires a policy on your Vermont home, home insurance can be a smart addition to protect your property from unforeseen events and natural disasters.

Does homeowners insurance cover flood damage?

Unfortunately, floods aren’t considered a covered peril in any home insurance policy. However, the National Flood Insurance Program (NFIP) writes and sells flood insurance policies and underwrites policies for other businesses to sell. Connect with a home insurance agent during the quote process to see if your area participates in this program.

How do I get home insurance in Vermont?

To get home insurance in Vermont, use the online quote tools offered by the providers in this review. They offer home value estimation tools, customization, and discount options based on various factors such as having a home security system installed in your house or bundling your home insurance policy with auto insurance. Once you get your free quote, you can sign up for a policy directly on the website or speak to an agent if necessary.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.