Home insurance in Vermont costs about $84 monthly or $1,008 annually on average. Homeowners here pay $136 less per month, or $1,627 less annually, than the national average, making it the 3rd most affordable state for home insurance.
Average Home Insurance Cost in Vermont
Updated: May 29, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Depending on your financial history, home details and other personal information, home insurance costs in Vermont can range from $1,321 to $7,496.
Vermont's home insurance premiums are the 3rd most affordable in the country, at 62% below the national average.
To find the best home insurance in Utah, determine your coverage needs, research providers and costs, and gather multiple quotes.
How Much Is Home Insurance in Vermont?
| Vermont Average | $84 | $1,008 | -62% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Vermont?
Home insurance is expensive in Vermont mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail:
Rising Claims
As homeowners file more claims, insurance companies may increase premiums to cover the higher payout costs. Frequent claims suggest a greater risk of future payouts, leading to more expensive home insurance.
High Weather Risks
Areas with elevated risks of natural disasters, such as hurricanes or wildfires, often face higher home insurance rates. Insurers adjust premiums to account for the increased likelihood of costly damage and claims.
Rising Material and Labor Costs
When the costs to repair or rebuild homes go up due to pricier materials or labor, insurance companies may raise premiums to ensure they can cover these higher expenses in the event of a claim.
State Insurance Laws
State-specific insurance regulations can impact premium costs. Mandates on coverage minimums or rate-setting processes can lead to more expensive insurance policies.
What Affects Vermont Home Insurance Costs?
Like most home insurance companies, pricing is mainly influenced by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We'll show how each factor impacts rates in the state.
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Vermont home insurance rates, averaging from $476 to $3,387 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $40 | $476 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $282 | $3,387 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Vermont homeowners insurance rates, averaging from $46 to $85 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Tile | $46 | $547 |
| Highest | Old | Frame | Shake-Treated | $85 | $1,019 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Vermont home insurance rates, with prices ranging from 52% below to 124% above the state average.
| Lowest | Vermont Mutual | $40 | $477 |
| Highest | Travelers | $186 | $2,226 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 69%, with annual average rates ranging from $660 to $2,522.
| Lowest | Excellent | $55 | $660 |
| Highest | Poor | $210 | $2,522 |
How Much Does Claims History Affect Home Insurance Costs?
Filing more claims will increase your perceived risk for insurers, which can increase premiums. However, in the Green Mountain State, claims history has a smaller impact on cost than other factors. We found that depending on your claims history, rates can be affected by up to 16% or $187 annually.
| Lowest | Claim free for 5+ years | $83 | $995 |
| Highest | 2 claims in past 5 years | $114 | $1,367 |
Tips to Save on Vermont Home Insurance
With home insurance costs soaring in the Green Mountain State, saving on premiums is crucial, whether buying a new home or cutting costs on your current one. Below are tips to help you secure the cheapest home insurance in Vermont tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own. Find out more about determining how much home insurance you need. Additionally, learn about the standard coverage options available.
- 2
Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Check the average costs for you. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites, and agents, as quotes vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. In this state, combining home and auto insurance can save up to 15% on home insurance and $320 annually on both policies. For more information, consider combining home and auto insurance.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Check if state programs can help you get affordable coverage if traditional insurers deny you. For instance, Utah offers the TFPA policy to insure you if traditional insurers deny you coverage. While TFPA plans don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
Vermont Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly due to location and coverage level. For affordable rates, check your needs and price averages. Then, get the best deal with our estimate tool.
Homeowners Calculator Insurance Vermont: FAQ
Homeowners' insurance costs in Vermont depend on several factors. To help estimate your expenses, MoneyGeek answers common questions about home insurance.
How much does homeowners insurance cost in Vermont?
Vermont's average monthly home insurance cost is $84 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Vermont Home Insurance Estimates
When determining the average cost of home insurance in Vermont, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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.