Vermont's best home insurance companies are State Farm, Vermont Mutual, Concord Group, MMG Insurance and Allstate. Concord Group ranks first for coverage options, Vermont Mutual leads in affordability, and State Farm stands out for customer service. Compare all our top picks below.
Best Homeowners Insurance in Vermont
Updated: June 22, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Vermont are State Farm, Vermont Mutual and Concord Group, with MoneyGeek Ratings of 87, 79, and 78 respectively.
State Farm offers the best overall home insurance for most Vermont homeowners. However, for affordability, Vermont Mutual is the better option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Vermont?
| State Farm | 87 | 4 | 1 | 4 |
| Vermont Mutual | 79 | 1 | 3 | 2 |
| Concord Group Insurance | 78 | 3 | 5 | 1 |
| MMG Insurance | 75 | 2 | 4 | 2 |
| Allstate | 73 | 5 | 2 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings showcase the best overall home insurance options, they might differ based on your home's type or personal needs. Below, we summarize the top insurers across major categories.
| State Farm | 87 | Overall |
| State Farm | 87 | Older Homes |
| State Farm | 87 | Newer Homes |
| State Farm | 87 | High-Fire-Risk Areas |
| State Farm | 87 | Bad Credit |
| State Farm | 87 | With Claims History |
Best Vermont Home Insurance Reviews
Explore our top choices for home insurance in Vermont, featuring leaders in affordability, customer service, and coverage options, all evaluated with our MoneyGeek Score.
State Farm: Best Overall
State Farm leads Vermont's home insurance market with exclusive coverage options like underground utility protection and extended replacement cost reimbursement that standard policies don't offer. The company also delivers the best customer experience in the state with a low complaint ratio, ranking seventh in customer satisfaction and eighth in claims satisfaction nationally according to J.D. Power - both above national averages. These unique coverages combined with proven service excellence make State Farm the top choice for Vermont homeowners.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $51 | $617 |
| Newer Homes in High-Fire-Risk Areas | $51 | $617 |
| Older Homes in High-Fire-Risk Areas | $85 | $1,022 |
| Older Homes | $85 | $1,022 |
Vermont Mutual: Best for Affordability
With rates starting as low as $11 per month, Vermont Mutual offers the cheapest overall home insurance in Vermont. Not only this, but they are one of America's oldest mutual insurers (established 1828), Vermont Mutual operates through 800+ independent agents and has earned recognition on Ward's "Top 50" list for 16 consecutive years. In addition, their add-on coverage options include unique coverages such as at-home-business coverage, appliance/equipment reimbursement up to $50,000 and policies for underground utility repairs.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $28 | $339 |
| Newer Homes in High-Fire-Risk Areas | $29 | $348 |
| Older Homes | $36 | $436 |
| Older Homes in High-Fire-Risk Areas | $37 | $448 |
How to Find the Best Home Insurance in Vermont
Our step-by-step guide given below can help you find the perfect coverage.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside, and local risk factors like wildfires or floods that might affect your coverage.
- 2
Research costs and discounts
Determine how much home insurance costs in Vermont to see if providers truly offer savings. Look for potential discounts, such as bundling or installing home safety devices, to maximize your savings.
- 3
Find the best providers for you
Once you've researched coverage and costs, narrow down your search for the best and cheapest home insurance in Vermont. Evaluate factors like customer service ratings, pricing tailored to your needs, and any suitable coverage add-ons.
- 4
Compare multiple providers through all means
Compare providers to identify the best option. Obtain quotes through multiple channels, as online estimates can vary from those provided by brokers or over the phone.
- 5
Review and purchase the policy
Once you've completed comparisons, review the best quote and any fine print. Confirm the details and finalize the purchase.
Best Homeowners Insurance in Vermont: Bottom Line
State Farm, Vermont Mutual and Concord Group are the best-rated homeowners insurance providers in Vermont. Still, shopping around and reviewing coverage details can help you choose the right insurer for your needs.
Best Home Insurance in Vermont: FAQ
To help you choose the right home insurance, we've answered common questions about providers in Vermont.
Which company is best for home insurance in Vermont?
State Farm is the best homeowners insurance provider in Vermont due to its affordability, top-notch customer service and extensive add-on options. Vermont Mutual, Concord Group, MMG and Allstate are also commendable choices in Vermont.
Who has the most affordable homeowners insurance in Vermont?
The most affordable homeowner's insurance in Vermont varies depending on individual needs and circumstances. However, the average cost of homeowners insurance in Vermont is $879 annually.
How do you get the best homeowners insurance in Vermont?
To find the best home insurance in Vermont, decide on your coverage needs beforehand, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Vermont: Our Methodology
We rated the best homeowners insurance providers in Vermont using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.