Average Cost for Homeowners Insurance in Vermont (by city)
When considering [Vermont Homeowners Insurance], understanding the average cost is crucial for budgeting and making informed decisions. In Vermont, the average annual premium for homeowners insurance is around $850 to $1,200, but this can vary based on several factors such as the location of your property, its age, and the coverage options you select. Factors like proximity to a fire station, crime rates, and weather patterns also influence premiums. To ensure you’re getting the best deal, consider comparing quotes from multiple insurers. Here are some key factors that impact homeowners insurance rates in Vermont:
- Location: Properties located in high-risk areas, such as flood zones or areas prone to severe weather, may have higher premiums.
- Coverage Limits: Opting for higher coverage limits and additional endorsements can increase premiums.
- Home Characteristics: Factors like the age, size, and construction materials of your home can affect insurance costs.
By understanding these factors and comparing quotes from insurers like State Farm, Allstate, and Liberty Mutual, you can find the most suitable coverage at a competitive price.
Key Factors Affecting Vermont Homeowners Insurance Rates:
- Location: Proximity to risks like flood zones or high-crime areas.
- Coverage Limits: Higher limits and additional coverage options increase premiums.
- Home Characteristics: Age, size, and construction materials of the property.
Here are the average cost that are relevant to the city your home is in. These are average costs for Vermont homeowners insurance coverage.
| City | Price |
|---|---|
| Hartford | $1,340.00 |
| Hyde Park | $1,136.00 |
| Williamstown | $1,411.00 |
| Essex Junction | $1,220.00 |
| Winooski | $1,242.00 |
| Rutland city | $1,383.00 |
| Northfield | $1,387.00 |
| Georgia | $1,117.00 |
| Shaftsbury | $1,116.00 |
| Brandon | $1,180.00 |
| Pownal | $1,207.00 |
| Brattleboro | $1,289.00 |
| Springfield | $1,256.00 |
| Ferrisburgh | $1,359.00 |
| Jericho | $1,154.00 |
| Enosburgh | $1,175.00 |
| Hardwick | $1,305.00 |
| Berlin | $1,144.00 |
| Stowe | $1,146.00 |
| Chester | $1,316.00 |
| Norwich | $1,210.00 |
| South Burlington | $1,126.00 |
| Thetford | $1,128.00 |
| Cambridge | $1,295.00 |
| St. Albans | $1,163.00 |
| Bradford | $1,324.00 |
| Highgate | $1,100.00 |
| East Montpelier | $1,298.00 |
| Barre city | $1,129.00 |
| Middlebury | $1,146.00 |
| Newport city | $1,241.00 |
| St. Albans city | $1,187.00 |
| Westminster | $1,237.00 |
| Randolph | $1,400.00 |
| Shelburne | $1,302.00 |
| Rockingham | $1,351.00 |
| Derby | $1,242.00 |
| Manchester | $1,115.00 |
| Barton | $1,342.00 |
| Milton | $1,330.00 |
| Burlington | $1,282.00 |
| Waterbury | $1,319.00 |
| Hinesburg | $1,397.00 |
| Bellows Falls | $1,123.00 |
| St. Johnsbury | $1,260.00 |
| Castleton | $1,162.00 |
| Swanton | $1,330.00 |
| Windsor | $1,193.00 |
| Charlotte | $1,100.00 |
| Richford | $1,256.00 |
| Fair Haven | $1,187.00 |
| Colchester | $1,269.00 |
| Underhill | $1,228.00 |
| Barre | $1,337.00 |
| Bristol | $1,132.00 |
| Lyndon | $1,127.00 |
| Bennington | $1,194.00 |
| Pittsford | $1,274.00 |
| Newport | $1,119.00 |
| Putney | $1,126.00 |
| Johnson | $1,236.00 |
| Poultney | $1,149.00 |
| Essex | $1,319.00 |
| Richmond | $1,414.00 |
Does Progressive offer home insurance in Vermont?
When it comes to [Vermont Homeowners Insurance], it’s essential to know your options, including whether Progressive offers coverage in the state. Fortunately, Progressive does indeed offer home insurance in Vermont, providing homeowners with a range of coverage options to protect their property and belongings. As one of the nation’s leading insurance companies, Progressive offers competitive rates and customizable policies tailored to your needs. By choosing Progressive for your homeowners insurance in Vermont, you can enjoy peace of mind knowing your home is protected by a trusted insurer.
Key Points about Progressive Home Insurance in Vermont:
- Coverage Options: Progressive offers a variety of coverage options, including dwelling coverage, personal property protection, liability coverage, and more.
- Competitive Rates: Progressive provides competitive rates for homeowners insurance in Vermont, helping you find affordable coverage that suits your budget.
- Customizable Policies: With Progressive, you can tailor your policy to fit your specific needs, whether you own a single-family home, condo, or rental property.
Rating factors for Homeowners insurance in Vermont
Vermont Homeowners Insurance-Wonder what kind of questions or factors affect your homeowners insurance rates? Here are some common factors that determine what your rate could look like.
| Rating Factors |
|---|
| Upgrades to Wiring Plumbing |
| Value of Home Replacement Cost |
| Home-Based Business |
| Location |
| Home Liability Limits |
| Swimming Pool or Hot Tub |
| Wood-Burning Stoves |
| Dog Breed |
| Claims |
| Credit History |
| Deductible |
| Insurance Score |
| Age of Home |
Which companies offer Homeowners in Vermont?
Vermont Homeowners Insurance-Did you just purchase a home in Vermont? We made it easy for you and listed a few companies that offer Homeowners there!
| Company | Homeowners Offered |
|---|---|
| American Family | yes |
| State Farm | yes |
| Progressive | yes |
| Nationwide | yes |
| Farmers Insurance | yes |
| Auto-Owners | yes |
| Liberty Mutual | yes |
| MetLife Inc. | yes |
| Hartford | yes |
| USAA | yes |
| Travelers | yes |
| Allstate Corp. | yes |
| Chubb | yes |
Who has the Lowest price on Homeowners in Vermont?
Vermont Homeowners Insurance-Just because you want the best coverages for you home, doesn’t mean you want to pay a whole lot. Here are some companies that have the best and lowest prices on Homeowners Insurance in Vermont!
| Company | Rank |
|---|---|
| Travelers | 1 |
| Allstate Corp. | 2 |
| Liberty Mutual | 3 |
| USAA | 4 |
| Progressive | 5 |
| MetLife Inc. | 6 |
| Hartford | 7 |
| American Family | 8 |
| American International | 9 |
Cheapest Homeowners insurance (by city) in Vermont
Vermont Homeowners Insurance-We wanted to help you see who has the cheapest Homeowners insurance rates in each city in Vermont. Check out your city and see who it is!
| City | Price |
|---|---|
| Hyde Park | USAA |
| Milton | Liberty Mutual |
| Essex Junction | NationWide |
| Berlin | Liberty Mutual |
| Bradford | USAA |
| Poultney | Travelers |
| East Montpelier | Amica |
| Cambridge | Farmers |
| Essex | USAA |
| Enosburgh | State Farm |
| Chester | Allstate |
| Williston | Progressive (ASI) |
| Georgia | Allstate |
| Brandon | Progressive (ASI) |
| Shaftsbury | USAA |
| Hardwick | Liberty Mutual |
| Rockingham | State Farm |
| Winooski | Travelers |
| Swanton | Progressive |
| Richmond | Chub |
| Morristown | Travelers |
| Pownal | Farmers |
| Williamstown | Travelers |
| Vergennes | Liberty Mutual |
| St. Albans city | Chub |
| Newport | Allstate |
| Derby | Amica |
| Fairfax | Farmers |
| Hinesburg | Travelers |
| Shelburne | Progressive (ASI) |
| Ferrisburgh | Allstate |
| Stowe | Liberty Mutual |
| St. Albans | State Farm |
| Arlington | American Family |
| Burlington | NationWide |
| Richford | Allstate |
| Hartland | State Farm |
| Pittsford | Travelers |
| Montpelier | American Family |
| Colchester | American Family |
| Jericho | Liberty Mutual |
| Middlebury | Farmers |
| Castleton | Progressive (ASI) |
| Rutland | Progressive |
| Newport city | Farmers |
| South Burlington | Liberty Mutual |
| Westminster | Liberty Mutual |
| Putney | Progressive |
| St. Johnsbury | Farmers |
| Rutland city | Farmers |
| Norwich | Progressive |
| Northfield | Travelers |
| Thetford | Travelers |
| Randolph | Travelers |
| Bristol | Travelers |
| Bennington | USAA |
| Underhill | USAA |
| Springfield | Amica |
Best Homeowners Insurance by company in Vermont
Vermont Homeowners Insurance- Having a great and the best company to insure your home is so important! We have listed below some of those great and highly rated companies for your Homeowners insurance!
| Company | AM Best |
|---|---|
| State Farm | A++ |
| Chubb | A |
| American International | A- |
| Travelers | A++ |
| Farmers Insurance | A |
| USAA | A++ |
| MetLife | A- |
| Auto-Owners Insurance | A |
| Hartford Financial | A+ |
| American Family | A |
| Liberty Mutual | A |
| Allstate | A+ |
| Nationwide | A |
Most common Causes for Homeowners Loss and claims (nationwide)
By having Vermont Homeowners Insurance, you are protecting yourself from the day to day unknown. There are so many things that can cause a loss to your home, so it’s good to be protected!
| Homeowners Loss and Claims |
|---|
| Water Damage |
| Power Surge |
| Wind |
| Hail |
| Vandalism |
| Injuries |
| Loss of Use |
| Theft |
| Lightning |
| Fire |
| Other Weather Related |
Homeowners insurance rates by company in Vermont
Having a great and the best company to insure your home is so important! We have listed below some of those great and highly rated companies for your Vermont Homeowners Insurance!
| Company | Homeowners ($250,000) |
|---|---|
| Allstate | $1,463 |
| American Family Insurance | $1,286 |
| Auto-Owners Insurance | $1,272 |
| Erie Insurance | $1,454 |
| Hartford Financial Services | $1,268 |
| Liberty Mutual | $1,532 |
| Progressive | $1,488 |
| State Farm | $1,320 |
| Farmers Insurance Group | $1,379 |
| Chubb | $1,503 |
| MetLife Inc. | $1,514 |
| USAA | $1,459 |
| American International | $1,492 |
| Travelers Companies Inc. | $1,405 |
| Nationwide Mutual | $1,381 |
Bundling Options with Homeowners Insurance in Vermont
Vermont Homeowners Insurance-You know bundling your home and auto can save you money! But did you know that you can bundle other things with your homeowners insurance and save? Look at some ideas below!
| Bundling Options |
|---|
| Umbrella |
| Motorcycle |
| Business |
| Health |
| RV |
| Life |
| Auto |
| Boat |
| ATV |
What does Vermont Homeowners Insurance cover?
Vermont Homeowners Insurance typically covers damage to your home’s structure, personal belongings, liability protection, and additional living expenses if you need to temporarily relocate. Specific coverage can vary, and A Plus Insurance can help you find a policy that meets your needs and fits your budget.
How can I save money on Vermont Homeowners Insurance?
To save money on Vermont Homeowners Insurance, consider bundling your home and auto insurance, increasing your deductible, and implementing safety features in your home. A Plus Insurance can explore multiple carriers to find discounts and coverage options that help you save without compromising protection.
Questions about Vermont Homeowners Insurance? Call us at 1.888.445.2793.
If you have specific questions about Vermont Homeowners Insurance or want assistance in finding the best rates, call A Plus Insurance at 1.888.445.2793. Our team is ready to provide personalized guidance and help you secure the coverage you need.
Additional Helpful Links
| Additional Vermont Insurance |
|---|
| Auto Insurance | Vermont |
| Liability Insurance | Vermont |
| Full Coverage Insurance | Vermont |
| SR22 Insurance | Vermont |
Edit Article Information
Here you can edit the information about Vermont Homeowners Insurance.
- Vermont Homeowners Insurance offers coverage for residents in the Green Mountain State.
- We provide insurance options to protect your home and belongings.
- For more information or to get a quote, call us at 1.888.445.2793.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Brian Muse