Updated: December 1, 2025
Advertising & Editorial Disclosure
The average cost of homeowners insurance in Vermont in 2024 is $985. This is $1,438 less than the national average of $2,423.
Aside from the amount of coverage you get, credit score has the largest impact on Vermont's premium costs, with the premium difference varying by up to $1,880 proportional to the rating. If you're facing higher rates, our review of the cheapest plans in the state may help you find budget-friendly alternatives.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 15, 2025
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Table of Contents
To establish the average cost of homeowners insurance in Vermont, MoneyGeek gathered quotes from multiple insurers for an average homeowner profile.
These rates reflect the average cost of homeowners insurance in Vermont as of 2025.
Vermont's average homeowners insurance premium is $985 for policies with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage. That's less than the national average of $2,423.
When considering how much coverage you need, you need sufficient insurance to rebuild your home and replace personal items in case of a total loss. A policy with $100K in dwelling coverage averages $541 annually in Vermont. If you own a larger property needing $500K in dwelling coverage, the average premium increases to $1,681.
| $100K Dwelling / $50K Personal Property / $100K Liability | $541 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $985 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $1,681 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $2,357 |
Premiums for homeowners insurance in Vermont vary depending on the provider, even for similar coverage levels. Vermont Mutual offers a policy much lower than Travelers' policy.
Underwriting differences create a wide range of premiums, so compare quotes from multiple insurers for Vermont's best homeowners insurance.
| Vermont Mutual | $467 |
| Concord Group Insurance | $549 |
| Allstate | $769 |
| MMG Insurance | $889 |
| USAA | $901 |
| State Farm | $1,022 |
| Foremost Insurance | $1,193 |
| Travelers | $2,092 |
Vermont homeowners with poor credit face premiums averaging $2,496, which is $1,511 above the average. Conversely, those with excellent credit pay an average annual premium of $661 for homeowners insurance. This stark contrast exemplifies the impact credit scores have on insurance rates.
While you may not be able to improve your credit score immediately, you can enhance it over time to reduce your rates. In the meantime, comparing insurers can lead to substantial savings. It takes less than 15 minutes to see which insurer will save you the most in Vermont.
| Poor | $2,496 |
| Below Fair | $1,866 |
| Fair | $1,381 |
| Good | $985 |
| Excellent | $661 |
The type of roof on your home can influence your homeowners insurance premium in Vermont. Materials that offer more excellent durability and resistance to the elements, like tile, may lower insurance costs. Conversely, less resilient materials could lead to higher premiums.
Construction materials also play a role in determining insurance rates. Homes built with materials more resistant to common perils, such as fire, may benefit from lower insurance premiums. On the other hand, a more common but less resistant standard frame construction usually has higher insurance costs.
Use the drop-downs in the table below to see how premiums change based on your home's materials.
| $100K Dwelling / $50K Personal Property / $100K Liability | $541 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $985 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $1,681 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $2,357 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $3,088 |
Insuring a newly built home in Vermont costs $628 per year on average, $357 less than the $985 average for older homes. Modern building standards and materials create this savings. Check the table below for premium differences across coverage levels in new versus existing homes.
| Existing Construction (2000) | $985 |
| New Construction (2023) | $628 |
In Vermont, homeowners with no claims in the past five years can expect an average annual premium of $985. However, if you've filed one claim within the last five years, the average jumps to $1,166. For those with two claims, the premium increases to an average of $1,357 annually.
| Claim free for 5+ years | $985 |
| 1 claim in past 5 years | $1,166 |
| 2 claims in past 5 years | $1,357 |
In Vermont, flooding and ice storms are the most costly natural disasters for homeowners. While standard homeowners insurance typically covers damage from ice storms, it does not usually cover flood damage.
Shopping for home insurance in Vermont can be a smooth process if you know the right step. Follow these steps to find the best deal.
Determine how much coverage you need for your home and personal belongings.
Ask the insurers about the discounts they offer. Many insurers offer discounts for installing security systems.
Bundle your home and auto insurance to save money.
Choose insurers with strong customer service and claims ratings.
Vermont homeowners save money by bundling their home and auto insurance policies. Bundling policies reduces premiums by roughly 20%, saving around $316 to $371 yearly. Compare the best home and auto bundles in Vermont.
Vermont homeowners can cut insurance costs with these discounts:
Ask about discounts when you get quotes.
Vermont Mutual has the lowest average rate at $212 per year for $100,000 dwelling, $50,000 personal property and $100,000 liability coverage. Check out affordable national providers for more options.
No, Vermont homeowners insurance doesn't cover floods. You'll need a separate flood insurance policy. You can buy flood coverage through the National Flood Insurance Program, private insurers or as an add-on from some home insurance companies.
Your credit rating matters most. Excellent credit brings premiums down to $661, while poor credit pushes them up to $2,496.
Bundling home and auto insurance in Vermont saves an average of 20%, or annual savings between $316 and $371.
Resources for Vermont homeowners include:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
