Average homeowners insurance cost in Vermont

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The average cost of home insurance in Vermont is $1,046 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Vermont Mutual stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Our data puts the average homeowners insurance cost in Vermont at $1,046 per year.
Of all ZIP codes analyzed in Vermont, 5404 has the lowest average home insurance rates at around $949 annually.
On the insurer side, Vermont Mutual offers the most affordable average premiums in Vermont, coming in at $760 per year.

What is the average cost of homeowners insurance in Vermont?

The average homeowners insurance premium in Vermont is $1,046 annually for 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

Homeowners insurance in Vermont costs $1,046 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,294 per year for homeowners insurance in Vermont for $100,000 in liability protection and a $1,000 deductible.

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 $200,000 Liability and None Hurricane	$804	$67
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$819	$68
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,046	$87
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,063	$89
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,294	$108
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,311	$109
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,756	$146
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,773	$148
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$2,439	$203
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$2,455	$205

Average home insurance cost in Vermont by insurer

The most affordable homeowners insurance in Vermont comes from Vermont Mutual, which averages $760 per year. Auto-Owners and Allstate 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	$760	$63
Auto-Owners	$914	$76
Allstate	$917	$76
Union Mutual	$1,090	$91
Travelers	$1,182	$98
State Farm	$1,247	$104
Co-operative Insurance Companies	$1,274	$106
Farmers	$1,319	$110
USAA*	$1,008	$84

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

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Vermont is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

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 $949 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	$949	$79
5403	$963	$80
5446	$968	$81
5495	$972	$81
5462	$974	$81
5408	$975	$81
5401	$977	$81
5494	$979	$82
5445	$980	$82
5461	$981	$82

Most expensive ZIP codes for home insurance in Vermont

5340 carries the highest average home insurance rates in Vermont, at $1,106 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Vermont.

ZIP code	Average annual rate	Average monthly rate
5340	$1,106	$92
5350	$1,102	$92
5857	$1,101	$92
5820	$1,099	$92
5757	$1,095	$91
5363	$1,094	$91
5356	$1,092	$91
5766	$1,090	$91
5152	$1,089	$91
5447	$1,087	$91

What are the best homeowners insurance companies in Vermont?

Our data points to Travelers as the best overall pick in Vermont, thanks to its AM Best rating of A++ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Vermont compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Travelers	$1,182	A++	0.91	4.85
Auto-Owners	$914	A+	0.39	4.81
Allstate	$917	A+	1.26	4.76
Vermont Mutual	$760	A	0.06	4.75
State Farm	$1,247	A+	1.15	4.73
Co-operative Insurance Companies	$1,274	A	0	4.68
Farmers	$1,319	A	0.89	4.63
Union Mutual	$1,090	A	17.36	3.83
USAA*	$1,008	A++	0.46	4.89

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

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

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

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

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.