Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Vermont Average homeowners insurance cost in Vermont Homeowners insurance in Vermont costs $1,247 per year or $104 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Vermont homeowners insurance costs $1,247 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Vermont. Key Takeaways Homeowners insurance costs an average of $1,247 a year, based on Insure.com analysis.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. Average home insurance cost in Vermont by coverage levelThe average cost of homeowners insurance in Vermont is $1,247 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $755 per year for homeowners insurance in Vermont for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Vermont for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$958$80200000 with 1000 Deductible and 300000 Liability and None Deductible$974$81300000 with 1000 Deductible and 100000 Liability and None Deductible$1,247$104300000 with 1000 Deductible and 300000 Liability and None Deductible$1,263$105400000 with 1000 Deductible and 100000 Liability and None Deductible$1,538$128400000 with 1000 Deductible and 300000 Liability and None Deductible$1,555$130600000 with 1000 Deductible and 100000 Liability and None Deductible$2,129$177600000 with 1000 Deductible and 300000 Liability and None Deductible$2,147$1791000000 with 1000 Deductible and 100000 Liability and None Deductible$3,379$2821000000 with 1000 Deductible and 300000 Liability and None Deductible$3,399$283Homeowners insurance companies in Vermont decide rates based on risk. They consider your location, claims history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims.According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in VermontBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Vermont based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Vermont Mutual received the lowest NAIC score and A+ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreVermont Mutual$701A+0.075Auto-Owners$789A++0.334.66Union Mutual$1,211A-0.324.22Allstate$755A+0.93.8State Farm$1,248A++0.953.54Travelers$3,004A++0.543.17Farmers$1,840A0.543.01Average homeowners insurance cost by company in VermontVermont Mutual offers the most affordable homeowners insurance in Vermont, at an average annual premium of $701, followed by Allstate and Auto-Owners.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Vermont homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateVermont Mutual$701$58Allstate$755$63Auto-Owners$789$66Union Mutual$1,211$101Co-operative Insurance Companies$1,214$101State Farm$1,248$104Farmers$1,840$153Travelers$3,004$250USAA$1,008$84Vermont homeowners insurance rates by ZIP codeInsurance providers in Vermont factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Vermont, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in VermontHomeowners insurance costs in Vermont can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 5404 area has the most affordable insurance rates, at $1,104 annually or $92 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Vermont.ZIP codeAverage annual rateAverage monthly rate5404$1,104$925452$1,124$945408$1,127$945403$1,128$945446$1,129$945641$1,138$955405$1,142$955465$1,153$965676$1,157$965494$1,158$96Most expensive ZIP codes for home insurance rates in VermontIn Vermont, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 5750 ZIP pay the highest insurance rates in Vermont, with an average annual premium of $1,427.Below is a list of some of the most expensive ZIP codes in Vermont for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate5750$1,427$1195741$1,425$1195745$1,421$1185159$1,420$1185746$1,402$1175059$1,400$1175823$1,399$1175662$1,391$1165054$1,389$1165485$1,388$116Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Vermont by cityBarreBurlingtonEssex JunctionRutlandSouth BurlingtonHome insurance rate trend in VermontWe analyzed home insurance rate trends in Vermont and found that homeowners insurance rates experienced an overall increase of 8% or $89, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$912$1,158$1,247To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Vermont.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Vermont Average renters insurance cost in Vermont Average car insurance cost in Vermont Non-owner car insurance in Vermont How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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