Average homeowners insurance cost in Vermont

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Home insurance in Vermont costs an average of $1,247 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Vermont Mutual offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $1,247 a year, based on our data.
Of all the ZIP codes in Vermont, 5404 has the most affordable home insurance rates at around $1,104 annually.
In Vermont, Vermont Mutual provides the most affordable home insurance at an average annual premium of $701.

What is the average cost of homeowners insurance in Vermont?

The average homeowners insurance premium in Vermont is $1,247 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Vermont? Cost by coverage level

The typical homeowners insurance policy in Vermont runs $1,247 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $1,538 in Vermont.

The table below shows average homeowners insurance costs in Vermont for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$958	$80
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$974	$81
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,247	$104
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,263	$105
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,538	$128
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,555	$130
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,129	$177
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,147	$179
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,379	$282
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,399	$283

Average home insurance cost in Vermont by insurer

The most affordable homeowners insurance in Vermont comes from Vermont Mutual, which averages $701 per year. Allstate and Auto-Owners are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Vermont homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Vermont Mutual	$701	$58
Allstate	$755	$63
Auto-Owners	$789	$66
Union Mutual	$1,211	$101
Co-operative Insurance Companies	$1,214	$101
State Farm	$1,248	$104
Farmers	$1,840	$153
Travelers	$3,004	$250
USAA*	$1,008	$84

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Vermont.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Vermont?

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Vermont.

Most affordable ZIP codes for home insurance rates in Vermont

The most affordable rates are in 5404, where homeowners pay $1,104 per year on average.

Not every area in Vermont has the same home insurance cost. How much you pay for homeowners insurance in Vermont depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Vermont.

ZIP code	Average annual rate	Average monthly rate
5404	$1,104	$92
5452	$1,124	$94
5408	$1,127	$94
5403	$1,128	$94
5446	$1,129	$94
5641	$1,138	$95
5405	$1,142	$95
5465	$1,153	$96
5676	$1,157	$96
5494	$1,158	$96

Most expensive ZIP codes for home insurance rates in Vermont

5750 has the highest rates in Vermont at an average of $1,427 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Vermont for home insurance:

ZIP code	Average annual rate	Average monthly rate
5750	$1,427	$119
5741	$1,425	$119
5745	$1,421	$118
5159	$1,420	$118
5746	$1,402	$117
5059	$1,400	$117
5823	$1,399	$117
5662	$1,391	$116
5054	$1,389	$116
5485	$1,388	$116

What are the best homeowners insurance companies in Vermont?

Based on our data, Vermont Mutual stands out as a top choice in Vermont. It earns an AM Best rating of A+ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Vermont by average annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Vermont Mutual	$701	A+	0.07	5
Auto-Owners	$789	A++	0.33	4.66
Union Mutual	$1,211	A-	0.32	4.22
Allstate	$755	A+	0.9	3.8
State Farm	$1,248	A++	0.95	3.54
Travelers	$3,004	A++	0.54	3.17
Farmers	$1,840	A	0.54	3.01

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 20,739,560 quotes from 82 national and regional insurers across 34,588 ZIP codes.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

Company rankings factor in average annual cost, NAIC score, and AM Best rating. All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.