Vermont Mutual is the cheapest home insurance company in Vermont, with low average rates of $514 per year. Concord Group comes in second at $666 annually and provides coverage to all Vermont residents. These five most affordable insurers save homeowners between $128 and $540 compared to the state average.
Cheapest Home Insurance Companies in Vermont (2026 Rates)
Updated: January 19, 2026
Advertising & Editorial Disclosure
Key Takeaways: Find Cheap Vermont Coverage
At $514 annually, Vermont Mutual offers the cheapest homeowners insurance rates in Vermont.
Vermont Mutual, Concord Group, USAA, Foremost and Allstate cost 12% to 51% below Vermont's $1,054 average.
Bundle your home and auto insurance policies to save 10% to 25% on premiums, one of the biggest discounts Vermont insurers offer.
Who Are the Cheapest Home Insurance Companies in Vermont?
| Vermont Mutual | $43 | $514 | -51% |
| Concord Group Insurance | $56 | $666 | -37% |
| USAA | $75 | $901 | -15% |
| Foremost Insurance | $75 | $905 | -14% |
| Allstate | $77 | $926 | -12% |
*The rates above are for homeowners ages 41 to 60 with good credit and no claims history. Quotes are for a home built in 2000 insured for $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage with a $1,000 deductible.
Cheapest Vermont Home Insurance Rates by Category
According to our research, Vermont Mutual offers the lowest rates for most categories in Vermont, including newer and older homes and high-risk fire zones.
| Older Homes | Vermont Mutual | $528 |
| Newer Homes | Vermont Mutual | $402 |
| Young Homeowners | Vermont Mutual | $515 |
| Senior Homeowners | Vermont Mutual | $513 |
| High-Risk Fire Homes | Vermont Mutual | $576 |
| Smaller Homes | Vermont Mutual | $803 |
| Larger Homes | Vermont Mutual | $897 |
COMPARE COVERAGE OPTIONS AND SERVICE QUALITY
The cheapest company may not be your best fit. Customer service quality, coverage options and claims handling matter beyond price. Our guide to the best home insurance companies in Vermont compares insurers across these factors.
Cheapest Homeowners Insurance by Vermont City
Risk factors differ by location, so insurers price policies differently across Vermont. Weather patterns and claim frequency in your area affect which insurer provides the best rates. Vermont Mutual offers the cheapest rates in Barton and Burlington.
| Barton | Vermont Mutual | $578 |
| Burlington | Vermont Mutual | $437 |
| West Pawlet | Vermont Mutual | $526 |
Most Affordable Vermont Home Insurance by Coverage Level
For basic coverage at $100,000 dwelling, $50,000 personal property and $100,000 liability, Vermont Mutual offers the lowest rate at $232 annually. Vermont Mutual also delivers the most affordable premiums for mid-range and high-value homes throughout the state and the cheapest option for $1 million dwelling, $500,000 personal property and $1 million liability coverage levels.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
| Vermont Mutual | $19 | $232 |
| Foremost Insurance | $33 | $394 |
| Concord Group Insurance | $39 | $462 |
| MMG Insurance | $39 | $463 |
| USAA | $39 | $464 |
How to Save on Vermont Home Insurance
Vermont homeowners can cut their insurance costs by hundreds of dollars annually through discounts, higher deductibles and smart home improvements.
Bundle Home and Auto Policies
Combine your home and auto insurance with the same company to save 10% to 25% on both policies. State Farm, Allstate and Progressive offer bundle discounts to Vermont homeowners.
Increase Your Deductible
Raise your deductible to lower your annual premium, though you'll pay more out of pocket when filing a claim. Choose a deductible amount you can afford if you need to file a claim.
Improve Your Credit Score
Vermont allows insurers to use credit-based insurance scores when setting rates. Improving your credit score can mean a difference of hundreds of dollars in your annual home insurance premium.
Maintain a Claims-Free History
Filing multiple claims within three years triggers rate increases. Use homeowners insurance for major losses rather than small repairs you can afford.
Ask About Available Discounts
Contact your insurer to find all discounts you qualify for beyond bundling. Review your policy annually to add new discounts as your situation changes.
Affordable Vermont Home Insurance: FAQ
Common questions about the cheapest home insurance in Vermont:
Does home insurance in Vermont cover tornado damage?
Standard homeowners insurance in Vermont covers tornado damage to your home and belongings. Vermont isn't considered a high tornado risk area, but your policy should protect you if one occurs. Flood damage from storms isn't covered by standard policies.
Is flood insurance required in Vermont?
Flood insurance isn't required across Vermont, but mortgage lenders require it in FEMA high-risk flood zones. Standard homeowners insurance doesn't cover flood damage. Consider buying flood coverage to protect against major financial losses, even outside high-risk areas.
What's the difference between replacement cost and actual cash value coverage?
Replacement cost coverage pays to rebuild or replace your property at current prices without depreciation deductions. Actual cash value coverage subtracts depreciation, resulting in lower payouts. Most Vermont lenders require replacement cost coverage for mortgaged homes.
Can I cancel my Vermont home insurance anytime?
You can cancel your Vermont home insurance policy anytime without cancellation fees and receive a refund for unused premium. Mortgage lenders require proof of continuous coverage, so avoid gaps between policies. Coverage gaps can jeopardize your mortgage standing.
How We Found the Cheapest Home Insurance Companies in Vermont
Our rate analysis reflects what most Vermont homeowners need: standard coverage for a typical single-family home built within the past 25 years.
We collected quotes from major insurers using a consistent homeowner profile across Vermont. This approach shows how each company prices the same coverage by removing variables that make direct comparisons difficult. The base profile represents the most common home insurance scenario in Vermont.
Standard Coverage Profile
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- $1,000 deductible
- Home built in 2000
- Homeowner ages 41 to 60
- Good credit
- No claims filed in the past 5+ years
Coverage Level Comparisons
Beyond standard coverage, we analyzed rates at three additional protection levels to show how premiums change as your coverage needs increase:
- Basic: $100,000 dwelling/$50,000 personal property/$100,000 liability
- Midrange: $200,000 dwelling/$100,000 personal property/$300,000 liability
- High-value: $1 million dwelling/$500,000 personal property/$1 million liability
These tiers help you estimate costs whether you're insuring a modest starter home or a high-value property.
For specialty scenarios like older homes, high-value properties and rural locations, we adjusted variables from this base profile while keeping other factors constant. This shows how specific characteristics affect your rate compared to the standard homeowner.
These figures are estimates based on statewide averages. Your actual premium depends on your home's location, age, construction type and your claims history. Compare quotes from at least three insurers to find your lowest rate.
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.