Updated: June 11, 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.
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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 demand coverage that goes beyond basic risks. Shop for policies that financially protect against the state's specific hazards and compare rates across multiple insurers.
Start by calculating your home's replacement cost and noting Vermont's main natural disaster risks. Wildfire threatens foothills communities, hail hits along the Front Range and flash floods occur near mountain drainage areas. Coverage amounts should reflect your home's value, personal property, liability needs and Vermont's high rebuilding costs.
Vermont home insurance averages $1,054 a year. Bundling home and auto saves 15% to 25% on premiums. Monitored security systems, fire-resistant roofing and hail-resistant shingles all qualify for discounts. Impact-resistant windows and roof updates add more savings and reduce hail damage exposure.
Check each insurer's customer satisfaction scores and claims handling record before deciding. Vermont-specific options worth confirming: wildfire coverage, water backup from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays the full rebuild cost even when it exceeds policy limits due to material shortages or labor increases.
Check each insurer's customer satisfaction scores and claims handling record before deciding. Vermont-specific options worth confirming: wildfire coverage, water backup from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays the full rebuild cost even when it exceeds policy limits due to material shortages or labor increases.
Get quotes from at least three insurers. Shop through direct insurers, independent agents and online platforms. Use identical coverage limits and deductibles across every quote so the comparison reflects actual price differences between carriers. Ask about discounts for fire-resistant materials and protective devices.
Update your dwelling coverage each year to keep pace with construction costs and your home's current replacement value. Vermont's housing market and flood risk both shift over time, and coverage needs change with them, particularly after home improvements.
Concord Group, USAA and State Farm lead Vermont's home insurance market with strong financial ratings and broad coverage options. Get quotes from all three and prioritize protection against Vermont's wildfire and hail risks while making sure your rebuilding costs and liability coverage are adequate.
Common questions Vermont homeowners ask when shopping for home insurance:
Vermont's mountainous terrain and heavy rainfall increase flooding risks, which pushes premiums up across the state. Flash floods near mountain drainage areas and water damage from snowmelt create specific coverage needs that drive costs higher than the national average.
Vermont doesn't require flood insurance, but the state's geography makes it worth having. Flash floods occur near mountain drainage areas, and standard policies don't cover flood damage without inland flood coverage or a separate National Flood Insurance Program policy.
Vermont homeowners pay an average of $1,054 annually. Rates vary based on dwelling coverage limits. $100,000 in coverage runs around $590 per year, while $500,000 averages $1,781.
Credit score creates the biggest cost difference for Vermont homeowners. Excellent credit brings annual premiums down to around $487, while poor credit raises them to $1,704 per year.
We evaluated Vermont home insurance providers on three factors:
Affordability (55%): We analyzed rates across home types, credit tiers and risk levels. Competitive pricing and extensive discounts score higher. Cost carries the heaviest weight because premium affordability determines whether coverage stays in place long-term. Vermont's high rebuilding costs and frequent hail claims make this factor particularly relevant.
Customer satisfaction (30%): We reviewed Trustpilot ratings, app store scores and J.D. Power survey data covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service over time. Claims experience is what matters most when wildfire or hail damage hits and a fast, clear payout is needed.
Coverage options (15%): We assessed add-on availability, unique features and state access. Vermont homeowners need options that address the state's specific hazards — wildfire coverage, water backup from snowmelt, equipment breakdown for HVAC systems. Standard policies don't always include these 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: $250,000 dwelling, $125,000 personal property, $200,000 personal liability and a $1,000 deductible.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
