Average homeowners insurance cost in Burlington, VT

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The average cost of homeowners insurance in Burlington is $1,132 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,450 less than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Burlington depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Burlington, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Burlington.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Burlington.

Key takeaways

In Burlington, homeowners insurance costs $1,132 annually.
Vermont Mutual offers the most affordable homeowners insurance in Burlington with an average annual premium of $610.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $265 higher.

Average homeowners insurance cost in Burlington per month

Burlington homeowners pay an average of $94 a month, based on our rate analysis. It’s $10 less than the state average of $104 and $121 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Burlington may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Burlington

In Burlington, VT, homeowners pay an average of $867 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Burlington

Based on a rate analysis conducted by Insure.com, Burlington residents pay an average of $1,132 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $265 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Burlington by company

Among the carriers analyzed, Vermont Mutual is the most affordable homeowners insurance company in Burlington. It’s average annual rate for homeowners in Burlington is $610.

Auto-Owners, ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $972.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Burlington and compiled a list of the most affordable home insurance companies.

Below are details of Burlington home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Auto-Owners	$766
Allstate	$972
Union Mutual	$1,020
State Farm	$1,059
Farmers	$1,762
Travelers	$2,327
Vermont Mutual	$610
Co-operative Insurance	$1,214
USAA*	$978

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Burlington for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.