Our calculator provides a personalized home insurance rate estimate based on your profile, including your desired coverage limits, deductible, home age and credit score, so you can see what Vermont homeowners like you pay. Select your details below to estimate home insurance costs tailored to your specific situation.
Home Insurance Calculator in Vermont
Updated: May 26, 2026
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Key Takeaways
Vermont averages $88 per month ($1,054 per year) for $250,000 in dwelling coverage, which is approximately 70% below the national average of $289 per month ($3,467 per year), making it one of the most affordable states for home insurance in the country.
Calculate your home insurance coverage needs based on your home's replacement value and the total value of your personal property. These two figures are the foundation for choosing the right dwelling and personal property coverage limits.
Shopping around can lower your rates substantially. In MoneyGeek's Vermont data, the spread between the cheapest provider (Vermont Mutual at $514 per year) and the most expensive (Travelers at $2,499 per year) is $1,985 per year.
Estimate Your Vermont Home Insurance Cost
Vermont Home Insurance Rate Calculator
A profile of 41 to 60-year-old homeowners with no prior claims insuring a 2,500-square-foot home with a $1,000 deductible.
Select Coverage Level
Select Deductible
Select Home Age
Select Credit Alignment
Average Monthly Premium—
Select Coverage Level
Average Monthly Premium—
Select Deductible
Select Home Age
Select Credit Alignment
How Vermont Home Insurance Costs Are Calculated
Home insurance rates in Vermont are shaped by a combination of factors that insurers weigh differently, meaning two homeowners with similar homes can receive very different quotes depending on which company they approach. Important variables include your coverage level, the provider you choose, your city, your home's age, your credit score and your claims history.
Coverage Level
The coverage level you select is one of the most direct drivers of your Vermont home insurance premium, because higher limits mean the insurer takes on more risk. In our analysis, the lowest tier in Vermont ($100,000 dwelling) averages $49 per month while the highest ($1 million dwelling) averages $261 per month, a $212 monthly difference. Choose a coverage level that reflects your home's actual replacement cost rather than its market value, and use the calculator above to see how each tier affects your estimated premium.
Provider
Insurance companies use proprietary rating models, which means the same home can produce dramatically different quotes from different carriers. In our data, Vermont Mutual averages $514 per year while Travelers averages $2,499 per year for the same profile, a $1,985 annual spread. Regional carriers like Vermont Mutual ($514 per year) and Concord Group Insurance ($666 per year) price well below national carriers in MoneyGeek's data, so compare quotes from both regional and national insurers before deciding.
City
Where your home sits within Vermont influences your rate, as local factors like proximity to fire stations, weather exposure and local claim trends all affect your premium. Our analysis shows that Burlington averages $80 per month (9% below the state average) while Barton averages $92 per month (5% above the state average). Vermont has very narrow city-to-city variation compared to larger states, but checking city-specific estimates using the calculator above can still reveal meaningful differences.
House Age
Older homes tend to cost more to insure because aging systems (electrical, plumbing and roofing) carry higher replacement and repair costs. We found that newer homes average $62 per month while older homes average $92 per month, a $30 monthly difference ($360 per year). If you own an older home, ask your insurer about credits for recent updates to the roof, electrical panel or plumbing, as these upgrades can meaningfully reduce your premium.
Credit Score
In most states, including Vermont, insurers use a credit-based insurance score to help predict the likelihood of a claim, and better credit means lower premiums. In MoneyGeek's Vermont analysis, homeowners with excellent credit pay $41 per month on average while those with poor credit pay $142 per month, a $101 monthly difference ($1,212 per year). Paying bills on time and reducing outstanding balances over time is one of the most impactful long-term strategies for lowering your Vermont home insurance costs.
Claims History
Filing claims signals risk to insurers, and a history of claims results in higher premiums at renewal. In MoneyGeek's Vermont data, a homeowner with one prior claim pays roughly $102 per month compared to $88 per month for a claim-free homeowner at a $1,000 deductible, and two claims push that to roughly $108 per month. For minor repairs that fall just above your deductible, paying out of pocket may preserve your claim-free discount and keep your rate lower over time.
All rates referenced on this page are based on MoneyGeek's analysis of quotes for a policy with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible.
MoneyGeek partnered with Quadrant Information Services to gather premium data from major national and regional insurers writing homeowners policies in Vermont. MoneyGeek's analysis compared what insurers charge for the same home profile across different locations and coverage configurations, giving Vermont homeowners a broader view of the market than the two or three quotes most people collect on their own.
The homeowner profiled was between 41 and 60 years old, carried a good credit score (769–792) and had no recent claims, a profile most insurers consider low-risk. The home was built in 2000, wood-frame construction with a composite shingle roof, standard safety features and a $250,000 replacement value. The standard coverage package included $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in personal liability coverage and a $1,000 deductible. Your actual premium will differ based on your home's age, construction, claims history and exact coverage limits, but MoneyGeek's analysis reveals whether you're getting a competitive rate or paying more than necessary. Learn more about our home insurance methodology.
How Much Home Insurance Do You Need in Vermont?
Dwelling coverage is the primary driver of your home insurance cost in Vermont. It pays to rebuild your home if it is destroyed, so your limit should reflect your home's full replacement value, not its market price. To find the right amount, multiply your home's square footage by the local cost to rebuild per square foot, which a contractor or your insurer can help you estimate. Use our free calculator below to see how different dwelling coverage limits affect your estimated premium in Vermont.
How Much Personal Property Coverage Do You Need in Vermont?
Personal property coverage protects the belongings inside your Vermont home, including furniture, electronics and clothing, if they are damaged or stolen. Selecting the right limit depends on the total value of everything you own. The best way to determine your amount is to create a home inventory that lists your possessions and their estimated replacement values, then choose a coverage limit that matches that total. Use our free personal property calculator below to get a quick estimate of how much coverage you may need.
How to Decide How Much Vermont Home Insurance to Buy
A standard Vermont homeowners policy is built around three core coverages that directly drive your cost: dwelling coverage, personal property coverage and personal liability coverage.
Dwelling Coverage
Dwelling coverage pays to repair or rebuild the physical structure of your home (walls, roof, floors and built-in systems) if damaged by a covered peril like fire, wind or hail. Standard options range from $100,000 to $1 million, though the right limit depends on your provider and your home's actual rebuilding cost. To determine your amount, multiply your home's square footage by the local per-square-foot construction cost, then set your limit to match that replacement value rather than your home's market price.
Personal Property Coverage
Personal property coverage reimburses you for belongings like furniture, electronics, appliances and clothing if they are damaged, destroyed or stolen, whether inside your home or elsewhere. Standard options generally range from $50,000 to $500,000, and the right limit depends on the total value of everything you own. The best way to size this coverage is to conduct a home inventory listing your possessions and their estimated replacement values, then choose a limit that covers the full total.
Personal Liability Coverage
Personal liability coverage protects you financially if someone is injured on your property or if you accidentally damage someone else's property and you are found legally responsible. Standard options range from $100,000 to $1 million, and most financial advisors recommend carrying at least $300,000 to $500,000 to adequately protect your assets. If your net worth exceeds your maximum liability limit, consider adding an umbrella policy for an additional layer of protection.
How to Save on Home Insurance in Vermont
Vermont is one of the most affordable states for home insurance, yet homeowners can still reduce premiums further with proven strategies. Follow the steps below to make sure you are not leaving money on the table and getting cheap home insurance for your needs.
- 1Compare Providers
Rates in Vermont vary dramatically by provider. In MoneyGeek's data, Vermont Mutual averages $514 per year while Travelers averages $2,499 per year for the same profile, a $1,985 annual difference. Start your search with regional carriers like Vermont Mutual and Concord Group Insurance, which price well below national brands in MoneyGeek's Vermont data. To compare a national carrier with broader bundling options, look at USAA, Foremost Insurance and Allstate, all of which cluster near the state average and offer competitive rates for the right profile.
- 2Bundle Home and Auto Insurance
Most major insurers offer a multi-policy discount when you bundle home and auto insurance with the same carrier, which can reduce both premiums by 5% to 25% depending on the company. Bundling also simplifies coverage management by consolidating billing and claims under one insurer.
- 3Ask About Available Discounts
Vermont insurers offer a range of home insurance discounts, including credits for new roofs, security systems, loyalty and claims-free history, that can meaningfully reduce your premium. Ask about available discounts when getting quotes from providers like USAA, Allstate, State Farm and Travelers, as each carrier weighs discounts differently.
- 4Raise Your Deductible
Choosing a higher deductible lowers your premium because you agree to absorb more of the cost before your insurer steps in. In MoneyGeek's Vermont data, raising the deductible from $500 to $1,000 saves roughly $72 per year ($94 per month vs. $88 per month), and moving from $1,000 to $2,000 saves an additional amount per year. Make sure your emergency fund is large enough to cover the higher out-of-pocket amount if you need to file a claim.
Vermont Home Insurance Calculator: Bottom Line
Vermont is one of the most affordable states for home insurance in the country, with an average of $88 per month ($1,054 per year) for $250,000 in dwelling coverage, which is approximately 70% below the national average. Provider choice still matters: MoneyGeek's data shows a $1,985 annual spread between the cheapest option (Vermont Mutual at $514 per year) and the most expensive (Travelers at $2,499 per year), meaning shopping around is just as important here as in higher-cost states. Start with regional carriers that price well below national brands, then compare a few national options using our best homeowners insurance guide to make sure you are getting the most competitive rate available.
Vermont Home Insurance Estimate: FAQ
Vermont homeowners often have questions about what drives their estimated costs and how to make sure they are buying the right amount of coverage. Here are answers to the most common questions.
How much is home insurance in Vermont per month?
The average is $88 per month ($1,054 per year) for $250,000 in dwelling coverage, which is approximately 70% below the national average of $289 per month.
Is home insurance in Vermont required?
Vermont does not legally require homeowners to carry home insurance. However, if you have a mortgage, your lender will almost certainly require you to maintain a homeowners policy as a condition of your loan. If you let coverage lapse, your lender may purchase a more expensive force-placed policy on your behalf and add the cost to your mortgage payment. Even if you own your home outright, carrying insurance is strongly advisable to protect your investment against fire, storms, theft and liability claims.
How do you calculate how much home insurance you need?
Start with your dwelling coverage limit, which should equal your home's replacement cost, not its market value. Multiply your home's square footage by the local per-square-foot rebuilding cost ( $150 to $250 in Vermont) to get a baseline estimate. For personal property coverage, create a home inventory listing your belongings and their replacement values, then choose a limit that covers the total. For liability, most experts recommend at least $300,000, or more if your net worth exceeds that amount. Use the free calculator above to see how different coverage combinations affect your estimated Vermont premium.
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, and 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.