Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Vermont are Concord Group, USAA and State Farm.
Vermont Mutual offers the highest-quality homeowners insurance in Vermont with the lowest average annual premium at $514.
Flooding threats drive up Vermont homeowners premiums due to the state's geography and heavy rainfall patterns. Shop for comprehensive yet affordable protection.
Concord Group is the best home insurance company for most Vermont homeowners with affordable rates and strong customer experience. USAA earned the highest MoneyGeek score from our team but ranks No. 2 because coverage is available only to military members, veterans and their families. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| Concord Group Insurance | 4.54 | 2 | 2 | 6 |
| USAA | 4.87 | 3 | 1 | 1 |
| State Farm | 4.52 | 7 | 3 | 2 |
| Allstate | 4.36 | 5 | 5 | 3 |
| Vermont Mutual | 4.31 | 1 | 4 | 7 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
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J.D. Power Customer Satisfaction Score
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J.D. Power Customer Satisfaction Score
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Between Vermont's rural mountain communities and urban centers like Burlington, home insurance rates and provider performance vary. Our research identified the top-rated insurer for major cities across Vermont based on affordability, customer satisfaction and coverage options.
| Barton | USAA | $912 |
| Burlington | USAA | $879 |
| West Pawlet | USAA | $912 |
Coverage levels create cost variations for Vermont home insurance costs, with $500,000 in dwelling protection costing $1,781 versus $590 for $100,000 coverage. Credit scores drive the biggest difference, as poor credit pushes annual premiums to $1,704 while excellent credit brings costs down to around $487. Vermont residents pay an average of $1,054 yearly, but rates differ based on your home and personal profile.
Overall average | $1,054 | $340 |
$100,000 dwelling coverage | $590 | $195 |
$500,000 dwelling coverage | $1,781 | $585 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $487 | $258 |
Poor Credit | $1,704 | $673 |
Vermont's harsh winters and severe weather patterns demand home insurance that covers more than basic risks. Shop for policies that financially protect against the state's specific hazards while comparing rates across multiple insurers.
Assess your home's replacement cost and Vermont's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Vermont's high rebuilding costs.
Vermont home insurance averages $1,054 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Vermont-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Vermont's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Vermont homes.
Update your dwelling coverage annually to match rising construction costs and your home's true replacement value. Vermont's housing market fluctuations and increased flooding risk mean your coverage needs change over time. Review your policy each year and shop for new quotes, especially after home improvements.
Concord Group, USAA and State Farm lead Vermont's home insurance market with strong financial ratings and comprehensive coverage. Get quotes from these insurers and prioritize protection against Vermont's wildfire and hail risks while ensuring adequate rebuilding costs and liability coverage.
Common questions Vermont homeowners ask when shopping for home insurance:
No, standard home insurance policies exclude flood damage from heavy rain. This coverage gap exists regardless of whether flooding results from storms, overflowing rivers, or surface water accumulation. Homeowners need separate flood insurance through the National Flood Insurance Program or private insurers to protect against water damage from external sources.
Your dwelling coverage needs to match the full cost to rebuild your home, which differs from its market value. Inventory your belongings to determine adequate personal property coverage amounts. Consider getting a professional appraisal or using construction cost calculators to ensure you have accurate rebuild cost estimates for proper protection.
Vermont's frequent flooding, particularly around Lake Champlain and southern regions, drives up home insurance premiums as insurers adjust rates based on elevated claim risks and damage assessments. Installing flood-resistant materials like waterproof flooring or sump pumps can qualify homeowners for discounts while reducing potential water damage. These protective measures help offset premium increases by demonstrating proactive risk management to insurance companies.
Replacement cost coverage pays to replace your damaged belongings with new items at current market prices, while actual cash value coverage only compensates you for what your items were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost coverage buys you a brand-new TV, but actual cash value only pays what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Vermont-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Vermont homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Vermont's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Vermont needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Vermont's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Vermont homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
