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Not sure which homeowners insurance company is right for you? Well, we've got you covered. Our Vermont homeowners insurance guide will help get started on your search.

The average rate for homeowners insurance in Vermont is $1,212 a year. Although, rates vary depending on the insurance company you choose and other factors.

Nationwide is the best homeowners insurance company in Vermont, based on Insurance.com's analysis. J.D. Power awarded it 812 scores out of 1000 and A.M Best rated it A+, which is the second-highest rating they provide. Whereas Liberty Mutual earned 806 scores out of 1000 from J.D Power and A.M Best awarded it 'A' rating.

Read on to know more about the best and cheapest homeowners insurance companies, their overall ratings, and average annual insurance costs.

Best home insurance companies in Vermont

If you're looking for the best homeowners insurance company in Vermont, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Vermont:

  • Nationwide
  • Liberty Mutual

Compare best homeowners insurance companies in Vermont

One of the easiest ways to find the best homeowners insurance is by looking at all the options available and comparing them side by side. If you're looking for insurance for Vermont homeowners, then look no further. Compare top Vermont home insurance companies using the overall scores and ratings from  J.D. Power and A.M Best.

Below is a list of the best insurance companies for Vermont homeowners-

CompanyOverall ratingJ.D. Power scoreAM Best rating
Nationwide4812A+
Liberty Mutual3806A

Average cost of homeowners insurance in Vermont

The average cost of Vermont homeowners insurance is $1,212 a year or $101 a month. It's $1,093 less than the national average ($2,305).

Many factors affect your home insurance rates, including the risk posed by weather conditions in your state. They can cause severe damage to your property, thereby leading to higher insurance rates.

Make sure you compare rates and insurance coverage options before you choose one of the many homeowners insurance companies. Home insurance policies offer basic coverages; it includes dwelling coverage, personal property coverage, and additional living expenses.

Average annual premiumAverage monthly premium
$1,212$101

10 Most expensive zip codes in Vermont for homeowners insurance

A home insurance company takes into account factors like your ZIP code, the age of your home, building cost in your area, and others to determine your average homeowners insurance premium.

For some ZIP codes, the rates are higher than others based on the local crime rates and building costs in your area, among other reasons.

We have gathered insurance rates from major homeowners insurance providers across all the ZIP codes and compiled a list of the ten most expensive ZIP codes for Vermont homeowners.

ZIP codeAverage annual rate
5823$949
5905$948
5159$946
5155$942
5350$941
5146$940
5152$938
5143$937
5485$936
5262$935

10 Least expensive zip codes in Vermont for homeowners insurance

Homeowners insurance rates are driven by many factors, and one of them is the ZIP code. Insurance companies consider your ZIP code when deciding on your home insurance premium.

The least expensive ZIP code for homeowners insurance in Vermont is 5404. Its average rate for home insurance is $819 a year - $393 less than the state average.

Below is a list of the least expensive ZIP codes for home insurance in Vermont.

ZIP codeAverage annual rate
5404$819
5461$826
5403$827
5445$828
5477$836
5446$840
5489$844
5401$846
5495$848
5641$849

Cheap homeowners insurance in Vermont

Vermont Mut Insurance offers the cheapest home insurance rates for Vermont homeowners, based on Insurance.com's rate analysis. Its average homeowners insurance cost is $766 a year--- $446 less than the state average ($1,212).

It's a good idea to shop around if you want the most affordable homeowners insurance because prices vary by hundreds of dollars. But the cheapest is not always the best deal. You might end up paying too much if you avoid comparing quotes.

Get at least three price quotes to save on your yearly insurance cost, suggests Penny Gusner, the former Senior Consumer Analyst at Insurance.com.

Below is a list of the cheapest home insurance companies in Vermont and their average annual premium.

Company nameAverage annual premium
Vermont Mut Insurance$766
Concord$787
Safeco$953
Allstate$981
Travelers$1,226
Co Operative Insurance$1,405
State Farm$1,787
USAA$1,791

Home and auto bundle discounts in Vermont

Most insurance companies offer a discount on bundling your home and auto insurance policies. You can save an average of $149 a year or 14%, based on a rate analysis by Insurance.com. But the discount and saving percentage may vary depending on your insurance company.

Below is a list of major carriers that offer a discount on bundling home and car insurance policies. Also, know how much a home and auto bundle can help you save on insurance in Vermont.  

Company$ Bundle average saving% Bundle average saving
State Farm$48333%
Allstate$23230%
Union$16116%
Concord Gen$12516%
USAA$11410%
Travelers$1009%
Northern Security$7510%
Co Operative Ins Co$695%
Foremost Insurance$684%
Vermont$6810%

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