The Best and Cheapest Home Insurance Companies in Vermont

To help Vermont homeowners find the best possible deal, our editorial team analyzed thousands of quotes and evaluated satisfaction ratings from the largest home insurance companies in the state.

Best cheap home insurance in Vermont

The cheapest companies for homeowners insurance in Vermont

Vermont Mutual offers the cheapest cost for home insurance in Vermont at $434 per year, or $36 per month. This is 36% cheaper than the state average.

Concord also offers cheap insurance, with an annual rate of $473, or $39 per month. This is $207 less per year than the state annual average.

Cheap annual home insurance in Vermont

Best Vermont home insurance overall: Vermont Mutual

Vermont Mutual has the best home insurance for most Vermont homeowners. The company offers basic coverage for $434 per year, which is $246 cheaper than the Vermont average.

The company also offers a broad range of uncommon endorsement packages, like the home business endorsement. This add-on lets you insure your in-home business on your homeowners policy, rather than needing a separate commercial insurance policy.

Vermont Mutual also offers home systems protection, which pays you up to $50,000 in coverage for damage caused by mechanical or electrical breakdown to systems like:

The company provides outstanding customer service, scoring a 0.50 in the complaint index from the National Association of Insurance Commissioners (NAIC). This means the company receives half the complaints other typical companies receive.

The most prominent downside to Vermont Mutual is a poor online and mobile experience. You can’t get a quote online, so you would have to call a local agent for support. However, there are dozens of independent agents located throughout the state, making in-person access convenient.

Best local home insurance company: Concord Group

Concord is the best local insurance company in Vermont because of its cheap quotes, coverage add-ons and numerous discounts. The company offers basic coverage at $473 per year, which is 30% cheaper than the state annual average.

The company offers several optional coverages like guaranteed home replacement cost, which provides full replacement of your home if your coverage limit is too low. It also offers ordinance or law coverage, which pays you to get your house up to code if you need to repair or rebuild.

Concord boasts a 0.41 in the customer complaint index from the NAIC, meaning the company receives 59% fewer complaints than other similar insurers.

The most notable downfall is that because of the company's size, Concord’s online features are limited. You can’t get a quote or buy a policy online, so you’ll have to contact a local agent for support.

Best for bundling home insurance: Allstate

Allstate is the best insurance company in Vermont for bundling, offering up to 25% off when you bundle your home and auto policies. The company offers home insurance at an average rate of $500 per year in Vermont, which is $180 cheaper per year than the state annual average.

Allstate offers several other discounts that are fairly standard among most insurance companies, like the loyalty discount, which gives you 10% off when you switch to Allstate and 10% off for every year you continue your policy. Allstate also offers an early signing discount, which gives you 10% off your home insurance premium when you sign up for a new policy more than seven days before your current one expires.

The company received a 0.43 in the complaint index from the NAIC, meaning it receives 57% fewer complaints than similar companies.

The biggest downside to Allstate is that it doesn’t offer many unique coverage add-ons. You can get standard optional coverages, like water backup, which covers water damage from drains and sump pumps. However, an Allstate agent can help you sign up for optional flood protection through its partnership with the National Flood Insurance Program (NFIP).

Best for customer support: State Farm

State Farm is the best Vermont insurer for quick and convenient support with your home insurance policy. The company is the largest home insurance company in the U.S., with 19,000 agents spread across all 50 states.

State Farm also has a convenient online experience, with an instant quote feature, online bill payment and an online claims process. It also has a mobile app, so you can manage your policy from just about anywhere.

The company scored a 0.74 in the customer complaint index from the NAIC, meaning it receives 26% fewer complaints than an average insurer its size.

The most notable downside to State Farm is its lack of unique discounts. The company offers standard discounts most other insurance companies offer, like savings on bundling policies and if you install home security systems. The company also offers home insurance at an average rate of $751 per year in Vermont, which is $71 more expensive than the state annual average.

Vermont insurance rates by city

The cheapest city for home insurance in Vermont is Winooski, where the average cost is $622 per year. This is about 9% less than the state annual average.

One of the most expensive cities for home insurance in Vermont is East Poultney, with an average rate of $719 per year. This is almost 6% more expensive than the state annual average. East Poultney is an unincorporated village that lies just east of the New York border.

The best home insurance companies in Vermont

Concord and Vermont Mutual are the best-rated home insurance companies in Vermont. Both companies have great customer satisfaction ratings and a broad range of policy add-ons, along with affordable home insurance quotes.

Concord scored a 0.41 in the customer complaint index from the NAIC, and Vermont Mutual scored a 0.50, meaning most customers are satisfied with the companies' service.

USAA is also a best-rated company for its exceptional customer service and military-specific perks, but it is only available to military members and their families.

Common homeowners insurance risks in Vermont

Because of Vermont’s location in the Northeast, the most frequent risks homeowners see are snow, ice and freezing temperatures. Luckily most home insurance policies cover winter damage, whether heavy snow caves in your roof or falling ice damages your deck.

Is snow and ice damage covered by homeowners insurance?

Vermont receives more snow annually than any other state in the U.S., with an average of more than 89 inches per year. This kind of heavy snowfall can be very damaging to homes and other structures. Fortunately, snow and ice damage is covered by most home insurance policies.

However, your claim might be denied if your insurer determines you didn't take adequate precautions to prevent damage. For example, if you left heavy snow on your roof for days or weeks, any resulting damage might not be covered. To avoid this, it’s best to clear snow and ice off your home right after a snowfall, and check your policy for exclusions.

Are burst frozen pipes covered by home insurance?

Home insurance typically covers damage due to frozen pipes that are leaking or have burst.

Your homeowners insurance policy will typically require you to take reasonable precautions to prevent this. For example, if you turn down your heat before leaving for a week, and the pipes freeze and burst as a result, your insurer may deny the claim, and you'll be responsible for the cost to repair them. And if you neglect a damaged pipe and the problem gets worse, you'll be responsible for that, too.

Frequently asked questions

Methodology

We collected insurance quotes for homes in every ZIP code in Vermont from the state's largest insurers. The sample property was built in 1974 and had $227,700 of dwelling coverage, which is based on the median value for the state.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

We ranked each company's customer service scores by comparing the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's home insurance customer satisfaction rankings and our ValuePenguin editor's ratings.