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: November 10, 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
Our rankings highlight the best overall home insurance companies, but your ideal choice depends on your home type and specific needs. Check this breakdown of top insurers by category.
| 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
We've ranked Vermont's best home insurance companies based on affordability, customer service and coverage options using 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:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
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:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
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.
- 1Determine Your Coverage Needs
Before buying home insurance, decide how much coverage you need. Consider your home’s value, the items inside and local risks like floods or wildfires that could affect your protection.
- 2Research Costs and Discounts
Check average home insurance prices in Vermont to see what’s reasonable. Look for discounts, such as bundling policies or installing home safety devices, to help lower your costs.
- 3Find the Best Providers for You
After reviewing coverage and costs, narrow your list to the cheapest home insurance options in Vermont. Focus on customer service, pricing that fits your budget and any useful add-ons.
- 4Compare Multiple Providers
Get quotes from many insurers to find the best deal. Try different methods such as online, through brokers or by phone since prices can vary.
- 5Review and Buy Your Policy
When you’ve compared your options, review the best quote and read the fine print carefully. Once everything checks out, complete your 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.