Home insurance in Vermont.
Home insurance in Vermont is below the national average, helped by low exposure to hurricanes, tornadoes, and hail.
Vermont at a glance
Avg. premium
$1,109/yr
NAIC 2022, HO-3
vs. national
29% below
U.S. avg $1,569/yr
Main cost driver
Winter storms & flooding
What pushes rates here
Home insurance in Vermont is below the national average, helped by low exposure to hurricanes, tornadoes, and hail.
How much does home insurance cost in Vermont?
The average homeowner in Vermont pays $1,109per year for home insurance, that's 29% below the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Vermont vs the national average
29% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Vermont
Winter weather and flooding (as seen in recent severe flood events) drive most claims. Flood damage is excluded from standard policies and needs separate coverage.
What home insurance covers
A standard Vermonthomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Vermont
Rates for the same home can vary widely between insurers in Vermont, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Vermont home insurance FAQs.
Common questions about homeowners insurance in Vermont.
06 / Get Started
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