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:
State Farm: Best Endorsements
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
Learn More: State Farm Homeowners Insurance Review
*AM Best ratings accurate as of August 2023
Liberty Mutual: Best Discounts
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
Travelers: Most Experience
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 AM Best.
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
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