The Best Home Insurance in Vermont for 2025

Amica and Chubb are among the best home insurance companies in Vermont, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Vermont. Below are the insurers that earned 5 stars in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

The best home insurance companies in Vermont

Here's more information about the best homeowners insurance companies in Vermont.

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

Other home insurance companies to consider

Looking for more of the best homeowners insurance companies in Vermont? These insurers received a NerdWallet star rating of 4.5:

» MORE: The best home insurance companies

How much does homeowners insurance cost in Vermont?

The average annual cost of home insurance in Vermont is $950. That’s 55% less than the national average of $2,110.

In most U.S. states, including Vermont, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Vermont, those with poor credit pay an average of $1,615 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 70% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Vermont by city

How much you pay for homeowners insurance in Vermont depends on where you live. For instance, the average cost of home insurance in Burlington is $835 per year, while homeowners in Montpelier pay $960 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Vermont

Here are the insurers we found with average annual rates below the Vermont average of $950.

» MORE: The cheapest homeowners insurance

Common risks for Vermont homeowners

Here are a few of the most common risks you might face as a Vermont homeowner, along with steps you can take to insure your home against them.

Winter weather

Homeowners insurance generally covers winter storm-related damage, but some types may require extra coverage. For instance, you’ll typically need a separate flood insurance policy to cover flood damage caused by snowmelt.

Flooding

Standard homeowners insurance doesn't cover flood damage, so homeowners in at-risk areas may need to purchase separate flood insurance. Note that while you can buy flood coverage at any time, there’s often a 30-day waiting period before the insurance takes effect.

» MORE: Do you need flood insurance?

Wind and hail damage

Home insurance generally covers damage caused by wind and hail. However, your policy may have a separate wind/hail deductible, typically from 1% to 5% of your dwelling coverage limit. If your house has $250,000 worth of dwelling coverage and a 1% deductible for wind claims, you’ll pay for the first $2,500 of wind damage before your insurer kicks in.

Landslides

Vermont’s hilly terrain and heavy rainfall can lead to landslides, which pose a risk for homeowners. Most homeowners insurance doesn’t cover landslides, so you’ll likely need to buy an optional add-on in order to be covered.

Wildfires

Standard homeowners insurance typically covers damage caused by fire, but read your policy so you understand any exclusions. Pay particular attention to the dwelling coverage limit, which is how much the insurance company will pay to rebuild your house. Check with your insurer to ensure you have enough coverage to rebuild if necessary.

» MORE: Home insurance calculator: Estimate your rate

Vermont insurance department

The Insurance Division of the Vermont Department of Financial Regulation oversees the state’s insurance industry. The department licenses insurers, regulates insurance products and provides consumer information.

The division helps consumers who need to file complaints about their insurers online, by mail or by fax. If you have questions about filing an insurance complaint, contact the division at 800-964-1784 or dfr.insuranceinfo@vermont.gov.