Best Homeowners Insurance in Vermont (2025)
Cheapest home insurance companies in Vermont
Vermont homeowners get the cheapest home insurance with Allstate, at $738 a year. Vermont Mutual is the second cheapest, at $836 a year.
To compare, the average cost of home insurance in Vermont is $1,339 a year.
While Allstate and Vermont Mutual’s home insurance rates are close, Allstate offers nine discount options, while Vermont offers none.
Cheapest home insurers in Vermont
| Company | Average annual rate | LendingTree score | |
|---|---|---|---|
 | Allstate | $768 | 4  |
 | Vermont Mutual | $836 | 4 |
 | The Concord Group | $881 | 5  |
 | State Farm | $1,371 | 4 |
 | Travelers | $1,384 | 3.5  |
 | USAA* | $1,580 | 4 |
 | Union Mutual Fire | $1,646 | Not rated |
 | The Hartford | $2,243 | Not rated |
Best homeowners insurance companies in Vermont
Allstate, USAA and Vermont Mutual are the best homeowners insurance companies in Vermont, based on their rates and policy offerings.
Allstate is the cheapest homeowners insurance company in Vermont and has many discounts to help lower your premium even more.
Meanwhile, USAA is the best choice for military members living in Vermont, and Vermont Mutual is best for homeowners wanting a local insurer.
Best Vermont home insurers
| Company | Best for | Average annual rate | Overall satisfaction** | Complaint index*** |
|---|---|---|---|---|
| Allstate | Cheap rates | $768 | 631 | 3.5 |
| USAA | Military personnel | $1,580 | 737 | 2.8 |
| Vermont Mutual | Local insurer | $836 | NA | NA |
| Average | $1,339 | 640 | 1.0 |
**Source: J.D. Power’s 2024 U.S. Home Insurance Study. Higher scores are better.
***Source: NAIC complaint index data from 2023. Lower scores are better; 1.0 is average.
Best for cheap rates: Allstate
Allstate has the cheapest rates of the homeowners insurance companies in Vermont, averaging $768 a year. For comparison, this is 43% cheaper than the average home insurance rate in Vermont of $1,339 a year.
| Pros | Cons |
|---|---|
Cheapest home insurance rate in Vermont Rateguard program lets you file one claim every five years without no rate increase Deductible Rewards program can lower your deductible if you don’t make a claim Many other discounts | High NAIC complaint rating Overall satisfaction rate slightly below national average |
Best for military personnel: USAA
USAA tailors homeowners insurance just for active-duty and retired military members and their families. Its customer satisfaction rating is consistently at the top, and it offers coverage for personally owned military uniforms and equipment with no deductible.
| Pros | Cons |
|---|---|
Excellent property claims satisfaction Active-duty service members get coverage for military equipment and uniforms with no deductible Personal property covered at replacement cost | Rates higher than average in Vermont No dedicated agents Only available to active-duty and veteran military members and their families |
Best local insurer: Vermont Mutual
For Vermont homeowners wanting a local home insurer, Vermont Mutual is a good choice. Its average rate is 38% cheaper than the state average, plus agents are available in the Vermont area to help you with your policy.
| Pros | Cons |
|---|---|
Average rate below state average Offers multiple endorsements Has home business coverage add-on | Only operates through independent agents No customer satisfaction data available |
Vermont home insurance rates by coverage amounts
Your chosen dwelling coverage limit affects your premium. The higher the coverage limit you choose, the higher your rate.
For example, in Vermont you pay an average of $147 more a year for a home insurance policy with a $400,000 dwelling coverage limit than one with a $350,000 limit.
Raising your deductible is an excellent way to save money, especially if you own a newer-built home. The higher your deductible, the lower your premium.
Average annual rate by dwelling coverage
| Dwelling coverage limit | Average annual rate |
|---|---|
| $350,000 | $1,191 |
| $400,000 | $1,339 |
| $450,000 | $1,472 |
Cost of homeowners insurance in Vermont
The average cost of home insurance in Vermont is $1,339 a year, which is 51% below the national average home insurance rate of $2,801 a year.
Insurers calculate your home insurance quote by weighing different risk factors, including your:
- ZIP code
- Home’s age
- Construction materials used
- Coverage limits and deductible
- Insurance claim history
Homeowners insurance policies can be similar across companies, but the premiums will vary, since insurers weigh risk factors differently.
This is why comparing home insurance quotes is important for finding the best mix of cost and coverage for your needs.
Vermont home insurance rates by city
Of the cities in Vermont, Winooski has the cheapest average home insurance rate of $1,214 a year. Brattleboro has the most expensive average rate of $6,582.
| City | Average rate (annual) |
|---|---|
| Adamant | $1,314 |
| Albany | $1,334 |
| Alburgh | $1,350 |
| Arlington | $2,717 |
| Ascutney | $1,400 |
| Averill | $1,389 |
| Bakersfield | $1,343 |
| Barnet | $1,316 |
| Barre | $1,289 |
| Barton | $2,681 |
| Beebe Plain | $1,398 |
| Beecher Falls | $1,325 |
| Bellows Falls | $1,370 |
| Belmont | $1,398 |
| Belvidere Center | $1,368 |
| Bennington | $2,760 |
| Benson | $1,370 |
| Bethel | $2,672 |
| Bomoseen | $2,760 |
| Bondville | $1,372 |
| Bradford | $1,316 |
| Brandon | $4,093 |
| Brattleboro | $6,852 |
| Bridgewater | $1,340 |
| Bridgewater Corners | $1,352 |
| Bridport | $1,337 |
| Bristol | $3,896 |
| Brookfield | $1,320 |
| Brownsville | $1,377 |
| Burlington | $3,882 |
| Cabot | $1,325 |
| Calais | $1,336 |
| Cambridge | $1,270 |
| Cambridgeport | $1,360 |
| Canaan | $1,332 |
| Castleton | $1,375 |
| Cavendish | $1,379 |
| Center Rutland | $1,368 |
| Charlotte | $1,228 |
| Chelsea | $1,326 |
| Chester | $1,396 |
| Chittenden | $1,377 |
| Colchester | $2,563 |
| Concord | $1,314 |
| Corinth | $1,310 |
| Craftsbury | $1,319 |
| Craftsbury Common | $1,333 |
| Cuttingsville | $1,396 |
| Danby | $2,800 |
| Danville | $1,314 |
| Derby | $2,703 |
| Derby Line | $1,356 |
| Dorset | $1,363 |
| East Arlington | $1,378 |
| East Barre | $3,919 |
| East Berkshire | $1,340 |
| East Burke | $1,329 |
| East Calais | $2,677 |
| East Charleston | $1,327 |
| East Corinth | $1,335 |
| East Dorset | $1,380 |
| East Dover | $1,367 |
| East Fairfield | $1,326 |
| East Hardwick | $1,319 |
| East Haven | $1,317 |
| East Middlebury | $1,323 |
| East Montpelier | $1,346 |
| East Poultney | $1,427 |
| East Randolph | $1,327 |
| East Ryegate | $1,315 |
| East St.Johnsbury | $1,366 |
| East Thetford | $1,325 |
| East Wallingford | $1,374 |
| Eden | $1,364 |
| Eden Mills | $1,343 |
| Enosburg Falls | $2,689 |
| Essex Junction | $1,243 |
| Fair Haven | $2,735 |
| Fairfax | $2,579 |
| Fairfield | $1,315 |
| Fairlee | $2,641 |
| Ferrisburgh | $1,306 |
| Florence | $1,368 |
| Forest Dale | $1,419 |
| Franklin | $1,329 |
| Gaysville | $1,346 |
| Gilman | $1,302 |
| Glover | $1,332 |
| Grafton | $1,401 |
| Grand Isle | $1,335 |
| Graniteville | $1,305 |
| Granville | $1,347 |
| Greensboro | $1,326 |
| Greensboro Bend | $1,318 |
| Groton | $1,306 |
| Guildhall | $1,360 |
| Hancock | $1,355 |
| Hardwick | $2,632 |
| Hartland | $1,334 |
| Hartland Four Corners | $1,399 |
| Highgate Center | $1,347 |
| Highgate Springs | $1,371 |
| Hinesburg | $1,224 |
| Huntington | $1,226 |
| Hyde Park | $1,341 |
| Hydeville | $1,365 |
| Irasburg | $2,693 |
| Island Pond | $1,330 |
| Isle La Motte | $1,329 |
| Jacksonville | $1,360 |
| Jamaica | $1,373 |
| Jeffersonville | $1,343 |
| Jericho | $1,252 |
| Johnson | $1,335 |
| Jonesville | $1,347 |
| Killington | $1,363 |
| Lake Elmore | $1,313 |
| Londonderry | $1,380 |
| Lowell | $1,364 |
| Lower Waterford | $1,366 |
| Ludlow | $2,766 |
| Lunenburg | $1,299 |
| Lyndon Center | $1,311 |
| Lyndonville | $2,647 |
| Manchester | $1,363 |
| Manchester Center | $1,369 |
| Marshfield | $1,333 |
| Mc Indoe Falls | $1,373 |
| Middlebury | $3,948 |
| Middletown Springs | $1,402 |
| Milton | $2,500 |
| Montgomery Center | $1,367 |
| Montpelier | $5,235 |
| Moretown | $1,306 |
| Morgan | $1,320 |
| Morrisville | $1,326 |
| Moscow | $1,385 |
| Mount Holly | $1,350 |
| New Haven | $1,294 |
| Newbury | $1,319 |
| Newfane | $2,743 |
| Newport | $4,010 |
| Newport Center | $1,353 |
| North Bennington | $1,365 |
| North Clarendon | $1,398 |
| North Concord | $1,324 |
| North Ferrisburgh | $1,312 |
| North Hartland | $1,329 |
| North Hero | $1,327 |
| North Hyde Park | $1,399 |
| North Montpelier | $1,322 |
| North Pomfret | $1,330 |
| North Pownal | $1,348 |
| North Springfield | $1,370 |
| North Thetford | $1,335 |
| North Troy | $1,362 |
| Northfield | $1,300 |
| Northfield Falls | $1,300 |
| Norton | $1,328 |
| Norwich | $1,335 |
| Orleans | $2,699 |
| Orwell | $1,350 |
| Passumpsic | $1,364 |
| Pawlet | $1,393 |
| Peacham | $1,319 |
| Perkinsville | $1,381 |
| Peru | $1,397 |
| Pittsfield | $1,370 |
| Pittsford | $1,374 |
| Plainfield | $1,325 |
| Plymouth | $1,391 |
| Post Mills | $1,325 |
| Poultney | $1,389 |
| Pownal | $1,392 |
| Proctor | $1,381 |
| Proctorsville | $1,381 |
| Putney | $4,073 |
| Quechee | $1,326 |
| Randolph | $2,639 |
| Randolph Center | $1,313 |
| Reading | $1,362 |
| Readsboro | $1,398 |
| Richford | $2,696 |
| Richmond | $2,474 |
| Ripton | $1,352 |
| Rochester | $1,353 |
| Roxbury | $1,307 |
| Rutland | $2,745 |
| Salisbury | $1,350 |
| Saxtons River | $1,347 |
| Shaftsbury | $1,393 |
| Sharon | $1,334 |
| Sheffield | $1,330 |
| Shelburne | $1,242 |
| Sheldon | $1,313 |
| Sheldon Springs | $1,380 |
| Shoreham | $1,347 |
| South Barre | $1,367 |
| South Burlington | $1,220 |
| South Hero | $1,316 |
| South Londonderry | $1,402 |
| South Newfane | $1,339 |
| South Pomfret | $1,343 |
| South Royalton | $1,317 |
| South Ryegate | $1,313 |
| South Strafford | $1,318 |
| South Woodstock | $1,317 |
| Springfield | $2,749 |
| St. Albans | $3,943 |
| St. Albans Bay | $1,370 |
| St. Johnsbury | $3,887 |
| St. Johnsbury Center | $1,364 |
| Stamford | $1,363 |
| Starksboro | $1,293 |
| Stockbridge | $1,351 |
| Stowe | $1,302 |
| Strafford | $1,331 |
| Sutton | $1,324 |
| Swanton | $4,008 |
| Taftsville | $1,325 |
| Thetford Center | $1,321 |
| Topsham | $1,324 |
| Townshend | $1,366 |
| Troy | $1,345 |
| Tunbridge | $1,320 |
| Underhill | $1,245 |
| Underhill Center | $1,350 |
| Vergennes | $3,931 |
| Vernon | $1,379 |
| Vershire | $1,322 |
| Waitsfield | $2,569 |
| Wallingford | $2,798 |
| Wardsboro | $1,364 |
| Warren | $1,320 |
| Washington | $1,315 |
| Waterbury | $3,877 |
| Waterbury Center | $1,310 |
| Waterville | $1,333 |
| Websterville | $1,295 |
| Wells | $1,405 |
| Wells River | $1,309 |
| West Brattleboro | $1,354 |
| West Burke | $2,688 |
| West Charleston | $1,354 |
| West Danville | $1,309 |
| West Dover | $1,370 |
| West Dummerston | $1,420 |
| West Fairlee | $1,324 |
| West Halifax | $1,367 |
| West Hartford | $1,321 |
| West Newbury | $1,313 |
| West Pawlet | $1,392 |
| West Rupert | $1,381 |
| West Rutland | $4,142 |
| West Topsham | $1,316 |
| West Townshend | $1,363 |
| West Wardsboro | $1,389 |
| Westfield | $1,360 |
| Westford | $1,232 |
| Westminster | $1,365 |
| Westminster Station | $1,420 |
| Weston | $1,379 |
| White River Junction | $1,321 |
| Whiting | $1,345 |
| Whitingham | $1,377 |
| Wilder | $1,308 |
| Williamstown | $1,327 |
| Williamsville | $1,349 |
| Williston | $2,480 |
| Wilmington | $1,367 |
| Windsor | $1,350 |
| Winooski | $1,214 |
| Wolcott | $1,307 |
| Woodbury | $1,322 |
| Woodstock | $1,333 |
| Worcester | $1,311 |
Methodology
The rates shown in this article are based on nonbinding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Vermont.
The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
For the LendingTree scores referenced above, our team of insurance experts also rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings, and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
*USAA is only available to active-duty and veteran military members and their families.