Vermont homeowners insurance calculator

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Homeowners insurance in Vermont costs an average of $1,063 per year, though your actual premium will vary based on your home’s location, replacement cost, coverage limits, and deductible.

If you want an estimate to get a general idea about how much it costs to insure your property – our Vermont homeowners insurance calculator shows how dwelling coverage, liability limits and deductible choices affect your premium, with rate comparisons across insurers and against the state average.

Whether you’re buying a home, reviewing your policy or shopping for a better rate, the calculator gives you a clearer picture of what to expect before you start getting quotes.

How can I lower my homeowners insurance premium in Vermont?

Compare quotes from several insurers before committing – rates for identical coverage can vary more than you might expect.
Consider raising your deductible – accepting a higher out-of-pocket cost in a claim usually brings your annual premium down.
Bundle your home and auto policies with the same insurer to take advantage of multi-policy discounts.
Add safety features to your home, such as smoke detectors, deadbolt locks, or a security system – these can qualify you for additional savings.

How to use the Vermont home insurance calculator

Our home insurance calculator is designed to give you a quick, personalized look at what coverage might cost in Vermont. Just plug in a few basics – your state, how much coverage you want for your home, the amount of liability protection, and the deductible that works for you. Here’s how to use it:

Select your state. Choose Vermont to pull rates specific to your area.
Enter your dwelling coverage amount. This is how much it would cost to rebuild your home.
Choose your liability limit. This covers costs if someone is injured on your property or you accidentally damage someone else’s.
Set your deductible. The amount you’d pay out of pocket before insurance kicks in.

Once you’ve entered your details, the calculator will show you:

The average annual rate for homeowners in Vermont
The highest and lowest rates in our data
A list of insurers in Vermont with their typical annual premiums

It’s a simple way to get a ballpark idea of your costs and compare companies before you start shopping for quotes.

Vermont home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Vermont

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)

Average annual home insurance rates in
Vermont

$959 Average rate

Average rate

$959/Yr

Lowest rate

$673/Yr

Highest rate

$1,319/Yr

Rates by carriers in Vermont

Company	Average annual rate
Allstate	$673
Vermont Mutual	$680
Auto-Owners	$846
USAA	$857
Union Mutual	$925
State Farm	$1,052
Travelers	$1,100
Co-operative Insurance Companies	$1,179
Farmers	$1,319

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

Homeowners insurance in Vermont averages $1,063 per year, which is cheaper than the national average of $2,543.
Your premium will be shaped by your home’s location, age, size, rebuilding cost, and the coverage levels you select.
Standard home insurance policies don’t include flood, earthquake, or other climate-related disaster coverage – if you’re in a high-risk area, separate coverage is worth looking into.
Premiums differ considerably between insurers, so comparing quotes is one of the most reliable ways to reduce what you pay.

What affects your homeowners insurance premium?

Several factors determine what you’ll pay, including where your home is located, its age and construction, your claims history and the coverage options you select.

Dwelling coverage. The estimated cost to rebuild your home, based on its size, materials, and local construction prices.
Liability coverage. Helps cover costs if someone is injured on your property or if you accidentally damage someone else’s property.
Deductible. The amount you pay out of pocket before insurance kicks in. Choosing a higher deductible can lower your premium, but it also means more costs upfront if you file a claim.

Check your credit score

Depending on your state and whether they allow credit score to be taken into account in determining your premium, a credit score can dramatically impact your premium.

While not permitted in all states, insurers in many states use credit-based insurance scores as a rating factor, so paying bills on time and keeping debt low can work in your favor.

How does dwelling coverage affect homeowners insurance in Vermont?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$819	$68
$300,000	$1,063	$89
$400,000	$1,311	$109
$600,000	$1,773	$148
$1,000,000	$2,455	$205

Average cost of homeowners insurance in Vermont

The average homeowners insurance premium in Vermont is $1,063 per year, which is cheaper than the national average of $2,543.

This figure is based on a standard policy with:

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

What you actually pay will depend on a range of factors specific to your property and location, including your home’s age, size, and estimated cost to rebuild.

Average cost of home insurance in major Vermont cities

Homeowners insurance costs in Vermont can look very different depending on where you live. Homeowners in Winooski pay some of the lowest rates in the state, while those in Newport pay some of the highest.

The table below highlights the average annual rates in major cities across Vermont.

City	Average annual rate	Average monthly rate
Barre	$1,000	$83
Bellows Falls	$1,076	$90
Burlington	$994	$83
Essex Junction	$992	$83
Montpelier	$1,031	$86
Newport	$1,082	$90
Rutland	$1,064	$89
South Burlington	$978	$81
St. Albans	$1,043	$87
Winooski	$963	$80

How do natural disasters affect homeowners insurance rates in Vermont?

Your home’s geographic location plays a significant role in what you pay for insurance. Properties in areas with a higher likelihood of flooding, wildfires, hurricanes, or tornadoes tend to carry higher premiums, as they represent a greater claims risk for insurers.

It’s also important to know that standard homeowners policies exclude these events. Depending on where your home is located, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this protection increases your overall insurance costs, but it also means you won’t be facing major repair or rebuilding expenses entirely on your own after a disaster.

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Vermont?

Homeowners in Vermont pay an average of $1,063 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Vermont?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com commissioned homeowners insurance rates from Quadrant Data Services in late 2025, covering policies with dwelling coverage ranging from $200,000 to $1 million and liability coverage of $100,000 and $300,000. Sample rates were based on a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

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$1,374/Year

$7,136/Year

$2,323/Year

$659/Year

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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.