{"id":323344,"date":"2025-11-08T00:47:53","date_gmt":"2025-11-08T05:47:53","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=111996"},"modified":"2025-11-08T00:47:53","modified_gmt":"2025-11-08T05:47:53","slug":"best-in-vermont","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-vermont\/","title":{"rendered":"Best Homeowners Insurance Companies in Vermont"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Best Homeowners Insurance Companies in Vermont Review\"><\/span>\n    \n\n\n<p>If you\u2019re shopping for homeowners insurance in Vermont, we recommend checking out Vermont Mutual Insurance and Concord Group Insurance. Both companies tend to price at or below Vermont\u2019s current statewide averages for standard coverage, and Vermont itself remains one of the lower-cost states for home insurance. For 2025, multiple market studies place average premiums roughly in the upper $600s to low $700s per year for a $250,000 dwelling limit (see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>), while $300,000 dwelling profiles typically land near the low\u2011$1,000s (see <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/vermont\/\">Policygenius<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>). Vermont\u2019s average expenditures remain well below U.S. levels in the latest official NAIC benchmark compiled by the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>, which is ideal for Vermont homeowners who are looking for <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">cheap home insurance<\/a>.<\/p>\n\n\n\n<p>To compile our list of the best home insurance companies in Vermont, we reviewed leading providers active in the state using current (2025) statewide pricing benchmarks, coverage breadth and endorsements, available discounts, financial strength (verified via <a href=\"https:\/\/www.ambest.com\/ratings\/\">A.M. Best<\/a>), and recent customer-experience indicators (e.g., the latest J.D. Power U.S. Home Insurance Study methodology). Five companies stood out as the best when balancing affordability, stability, and coverage flexibility.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Homeowners Insurance Companies in Vermont<\/h2>\n\n\n\n<ul><li><a href=\"#vmig\">Vermont Mutual Insurance Group<\/a><\/li><li><a href=\"#cgi\">Concord Group Insurance<\/a><\/li><li><a href=\"#travelers\">Travelers<\/a><\/li><li><a href=\"#mmg\">MMG Insurance<\/a><\/li><li><a href=\"#union-mutual\">Union Mutual <\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Vermont\u2019s top insurance companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><br><\/td><td><strong>Average Annual Premium*<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><strong>J.D. Power Overall Customer Satisfaction**<\/strong><\/td><\/tr><tr><td><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-vermont\/#vmig\">Vermont Mutual Insurance Group<\/a><\/td><td>\u2248$700 (VT state avg., 2025)<\/td><td>A+<\/td><td>N\/A (regional carrier; see latest study)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-vermont\/#cgi\">Concord Group Insurance<\/a><\/td><td>\u2248$700 (VT state avg., 2025)<\/td><td>A<\/td><td>N\/A (regional carrier; see latest study)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-vermont\/#travelers\">Travelers<\/a><\/td><td>\u2248$700 (VT state avg., 2025)<\/td><td>A++<\/td><td>See latest J.D. Power study (1,000\u2011pt scale)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-vermont\/#mmg\">MMG Insurance<\/a><\/td><td>\u2248$700 (VT state avg., 2025)<\/td><td>A<\/td><td>N\/A (regional carrier; see latest study)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-vermont\/#union-mutual\">Union Mutual<\/a><\/td><td>\u2248$700 (VT state avg., 2025)<\/td><td>A-<\/td><td>N\/A (regional carrier; see latest study)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Vermont\u2019s 2025 statewide average for a standard HO\u20113 with $250,000 dwelling coverage typically falls in the upper $600s to low $700s per year based on <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>. For $300,000 dwelling coverage, recent estimates land near the low\u2011$1,000s in 2025 per <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/vermont\/\">Policygenius<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>. Actual premiums vary by company and profile.<\/em><\/p>\n\n\n\n<p><em>** J.D. Power\u2019s U.S. Home Insurance Study is updated annually on a 1,000\u2011point scale. Brand rankings and scores vary by year and region; consult the latest edition when comparing carriers.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best Vermont Homeowners Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Best Vermont Homeowners Insurance Companies<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Affordable Policies\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\" id=\"vmig\">Vermont Mutual Insurance<\/h3>\n\n\n\n<p>Vermont Mutual commonly competes near Vermont\u2019s 2025 statewide average for standard HO\u20113 coverage at $250,000 Coverage A (upper $600s\u2013low $700s per <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>). Policies are sold through local agents, with online account tools for payments and basic servicing. Financial strength is strong (A.M. Best Financial Strength Rating reported as A+); always verify current ratings with <a href=\"https:\/\/www.ambest.com\/ratings\/\">A.M. Best<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"vermont-mutual-insurance-group\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Vermont Mutual Insurance Group<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Affordable Policies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                We chose Vermont Mutual Insurance because of their competitive pricing relative to Vermont\u2019s current averages and straightforward coverage. Although the company works primarily through agents, you can manage your policy using the online portal for payments and basic updates.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/vermontmutual.com\/?rvitemid=343079-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2248$700\u2020<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See latest study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                We chose Vermont Mutual Insurance because of their competitive pricing relative to Vermont\u2019s current averages and straightforward coverage. Although the company works primarily through agents, you can manage your policy using the online portal for payments and basic updates.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Affordable relative to VT average (2025)<\/li>\n                            <li>Local agents plus online portal<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer public-facing discounts than some nationals<\/li>\n                                    <li>Website tools are basic<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li><span style=\"font-weight: 400;\">Bundle home and auto<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Vermont Mutual Insurance offers three tiers of <\/span><a href=\"https:\/\/vermontmutual.com\/broadening-endorsements\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Home Broadening Endorsements<\/span><\/a><span style=\"font-weight: 400;\"> that can add items like home systems protection. Availability and limits vary by policy.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Add-on Coverages\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\" id=\"cgi\">Concord Group Insurance<\/h3>\n\n\n\n<p>Concord Group offers competitive premiums, a broad slate of endorsements, and multiple discounts. It\u2019s a strong fit if you prefer agent-guided service and want to tailor protections beyond base HO forms (e.g., ordinance or law, equipment breakdown, identity theft). Pricing commonly tracks near Vermont\u2019s 2025 statewide averages for $250,000 Coverage A (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"concord-group-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Concord Group Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Add-on Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Concord Group Insurance offers a variety of coverages that allow homeowners to customize their policy: guaranteed home replacement (where available), ordinance and law, equipment breakdown, and identity theft, among others. Availability and limits vary by state and underwriting.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.concordgroupinsurance.com\/?rvitemid=315789-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2248$700\u2020<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See latest study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Concord Group Insurance offers a variety of coverages that allow homeowners to customize their policy: guaranteed home replacement (where available), ordinance and law, equipment breakdown, and identity theft, among others. Availability and limits vary by state and underwriting.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent add-on coverage menu<\/li>\n                            <li>Wide variety of discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Claims experience varies by market<\/li>\n                                    <li>Agent interaction required for most changes<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Advance quote<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New home<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Auto pay<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Concord Group offers an optional Green Endorsement (limit varies by form) designed to help rebuild with eco-friendly materials and energy-saving systems; ask an agent about availability and limits in Vermont.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Online Policy Management\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\" id=\"travelers\">Travelers<\/h3>\n\n\n\n<p>Travelers is a national carrier with robust digital self\u2011service, competitive pricing in many Vermont territories, and a deep add\u2011on menu. You can quote online, adjust limits, and add popular endorsements like <a href=\"https:\/\/www.travelers.com\">service line<\/a> and <a href=\"https:\/\/www.travelers.com\">equipment breakdown<\/a> (availability varies by state and underwriting). In 2025, Vermont-wide averages at $250,000 Coverage A remain in the upper $600s\u2013low $700s per <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; individual Travelers quotes can be above or below this benchmark depending on profile.<\/p>\n\n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Online Policy Management<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Travelers offers broad online quoting and servicing plus a strong endorsement lineup, making it easy to tailor a policy and manage changes without always going through an agent.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2248$700\u2020<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See latest study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Travelers offers broad online quoting and servicing plus a strong endorsement lineup, making it easy to tailor a policy and manage changes without always going through an agent.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Manage your policy online<\/li>\n                            <li>Multiple discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Pricing varies by territory; may trend mid\u2011pack<\/li>\n                                    <li>Not a Vermont\u2011based regional<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New home<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loss-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Green home<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Travelers\u2019 <\/span><a href=\"https:\/\/www.travelers.com\/openhouse\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">OpenHouse<\/span><\/a><span style=\"font-weight: 400;\"> database can help home buyers understand property loss and repair history and neighborhood trends.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Travelers:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/travelers-review\/\">Travelers homeowners insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/travelers-review\/\">Travelers renters insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\">Travelers auto insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Best for Customer Service\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\" id=\"mmg\">MMG Insurance <\/h3>\n\n\n\n<p>MMG is a regional insurer with strong financials (A.M. Best FSR reported as A) and agent-centric service. Vermont customers report positive experiences with claims and local agents in many markets, and online tools support payments and basic account management. Always verify current FSRs and outlooks with <a href=\"https:\/\/www.ambest.com\/ratings\/\">A.M. Best<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"mmg\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">MMG<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service <\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                MMG is a smaller, local provider with agent-first service and solid financial strength. It supports online claims, payments, and basic policy management, while more complex changes are handled by agents.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.mmgins.com\/?rvitemid=308260-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2248$700\u2020<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See latest study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                MMG is a smaller, local provider with agent-first service and solid financial strength. It supports online claims, payments, and basic policy management, while more complex changes are handled by agents.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent financial strength<\/li>\n                            <li>Strong agent support and local focus<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Discount selection may be narrower than large nationals<\/li>\n                                    <li>Agent required for many changes<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Policy bundling<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">MMG\u2019s Home Advantage tiers increase sub\u2011limits and special coverages (e.g., valuables, watercraft, medical payments, computer coverage). Availability varies by underwriting.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best6\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\" id=\"union-mutual\">Union Mutual Insurance<\/h3>\n\n\n\n<p>Union Mutual offers a wide variety of discounts that can help Vermont homeowners lower their premiums. Its pricing can be at or above Vermont\u2019s 2025 statewide average depending on home characteristics and credits, so quote with and without select endorsements to find value.<\/p>\n\n\n                                                \n\n\n<section id=\"union-mutual\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Union Mutual<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Union Mutual lists numerous savings opportunities \u2014 bundling, superior home condition, loyalty, permanent generator, roof type, and more \u2014 which can materially offset premiums for eligible homes.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.unionmutual.com\/?rvitemid=337565-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2248$700\u2020<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See latest study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Union Mutual lists numerous savings opportunities \u2014 bundling, superior home condition, loyalty, permanent generator, roof type, and more \u2014 which can materially offset premiums for eligible homes.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Great discounts<\/li>\n                            <li>Variety of coverage options<\/li>\n                            <li>Bundling options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Premiums can trend at\/above VT average<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In-home generator<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Policy bundling<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Standing seam roof<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New home<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Union Mutual offers multiple policy forms, including options for higher-risk homes (subject to underwriting). Work with an agent to match form and endorsements to your home\u2019s profile.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost1\" title=\"Average Cost of Homeowners Insurance in Vermont\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Vermont<\/h2>\n\n\n\n<p>For 2025, Vermont\u2019s average quoted premium for a standard HO\u20113 policy with $250,000 in dwelling coverage typically falls in the upper $600s to low $700s per year based on <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>. At $300,000 in Coverage A, statewide averages generally run in the low\u2011$1,000s according to <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/vermont\/\">Policygenius<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>. The latest official NAIC expenditure benchmark (via the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>) shows Vermont remains among the lowest\u2011cost states, even as premiums have risen since 2021 due to inflation in materials and labor, higher reinsurance costs, and risk repricing. Your price will vary with home specifics, coverage selections, and credits.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Home Insurance Add-Ons That Will Further Protect You\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That May Further Protect You<\/h2>\n\n\n\n<p>A standard HO policy covers dwelling (A), other structures (B), personal property (C), loss of use (D), liability (E), and medical payments (F). To fill common gaps, many Vermont homeowners consider endorsements such as water\/sewer backup (see <a href=\"https:\/\/www.nationwide.com\">Nationwide\u2019s overview<\/a> for what this add\u2011on addresses), <a href=\"https:\/\/www.travelers.com\">service line coverage<\/a> for underground utilities you own, and <a href=\"https:\/\/www.travelers.com\">equipment breakdown<\/a> for sudden mechanical\/electrical failures of home systems. Scheduling valuables (jewelry, art) raises low sub\u2011limits in base policies. Note that <a href=\"https:\/\/www.floodsmart.gov\">flood is not covered<\/a> by standard homeowners insurance; purchase separate flood insurance through the NFIP or private markets. For policy basics, review the <a href=\"https:\/\/content.naic.org\">NAIC\u2019s homeowners guide<\/a>. Endorsement availability and limits vary by insurer and Vermont underwriting; ask your carrier or agent about eligibility and pricing.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap1\" title=\"The Cheapest Homeowner Insurance Companies in Vermont\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Vermont<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Vermont Mutual<\/td><td>Varies by profile; compare to VT avg. (\u2248$700 at $250k, 2025)<\/td><\/tr><tr><td>Concord Group<\/td><td>Varies by profile; compare to VT avg. (\u2248$700 at $250k, 2025)<\/td><\/tr><tr><td>Allstate<\/td><td>Varies by profile; compare quotes to VT avg.<\/td><\/tr><tr><td>USAA<\/td><td>Varies; membership required (often competitive vs. VT avg.)<\/td><\/tr><tr><td>Travelers<\/td><td>Varies by territory; compare to VT avg.<\/td><\/tr><tr><td>MMG<\/td><td>Varies by profile; compare to VT avg.<\/td><\/tr><tr><td>Union Mutual<\/td><td>Varies; discounts can offset premiums<\/td><\/tr><tr><td>Co Operative Ins Co<\/td><td>Varies by territory; compare to VT avg.<\/td><\/tr><tr><td>State Farm<\/td><td>Varies; bundling and credits influence price<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Use Vermont\u2019s current statewide benchmarks as a reality check: \u2248$675\u2013$725 per year at $250,000 Coverage A (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>) and roughly low\u2011$1,000s at $300,000 (<a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/vermont\/\">Policygenius<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>). Always verify with live quotes; carrier averages vary by location, coverage, and credits.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap2\" title=\"Top 3 Cheapest Homeowners Insurance Companies in Vermont \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Vermont\u00a0<\/h2>\n\n\n\n<ul><li><strong>Vermont Mutual \u2013<\/strong> often prices at or below the VT average for many profiles (2025); confirm with quotes<\/li><li><strong>Concord Group \u2013<\/strong> competitive with strong discount eligibility; pricing commonly near VT average<\/li><li><strong>USAA \u2013<\/strong> frequently among the lowest for eligible members; membership required<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"expensive\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Vermont\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Vermont<\/h2>\n\n\n\n<ul><li><strong>Co Operative Ins Co \u2013<\/strong> quotes can trend above the VT average in some territories; verify with local agents<\/li><li><strong>Union Mutual \u2013<\/strong> base premiums may be higher for certain profiles, though discounts can offset costs<\/li><li><strong>Travelers \u2013<\/strong> typically mid\u2011pack; in some profiles\/locations, quotes may run higher than VT averages<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"help\" title=\"Resources Helpful for Vermont Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Resources Helpful for Vermont Homeowners<\/h2>\n\n\n\n<p>Vermont home buyers can check out this <a href=\"https:\/\/dfr.vermont.gov\/consumers\/insurance\/homeowners-insurance\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">home insurance buyer\u2019s guide<\/a> from Vermont\u2019s Department of Financial Regulation. It explains standard coverages, exclusions, and shopping tips. For 2025 pricing context, compare your quotes with statewide averages from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/vermont\/\">Policygenius<\/a>, and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>. Vermont also maintains stronger river corridor and flood hazard standards that can affect underwriting near waterways; see the state\u2019s <a href=\"https:\/\/dec.vermont.gov\/watershed\/rivers\/river-corridor-and-floodplain-protection\/state-rule\">flood hazard &amp; river corridor rule<\/a>. For flood options and uptake, review FEMA\u2019s <a href=\"https:\/\/www.fema.gov\">OpenFEMA NFIP policies dataset<\/a>. For broader insurance market oversight and rate filing context, see DFR\u2019s health rate review portal (<a href=\"https:\/\/gmcboard.vermont.gov\/health-insurance-rate-review\">Green Mountain Care Board<\/a>) and DFR <a href=\"https:\/\/dfr.vermont.gov\/press-release\">press releases<\/a> for cross\u2011line updates and guidance.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Homeowners Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ\u00a0<\/h2>\n\n\n<div id=\"block_61f3046a1b2f4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Vermont?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">No, homeowners insurance is not required in Vermont. However, most mortgage lenders will require you to have a minimum amount of home insurance before they approve your loan. Even if you don\u2019t have a loan, getting homeowners insurance is a smart precaution that protects your home and assets.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f3047e1b2f5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Vermont?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on 2025 statewide benchmarks, many Vermont homeowners see premiums in the upper $600s to low $700s per year for $250,000 in dwelling coverage (<\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate<\/span><\/a><span style=\"font-weight: 400;\">). The cheapest provider for you depends on your home, location, and discounts. Get multiple quotes (3\u20135+) and compare coverage, deductibles, and endorsements \u2014 not just price.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Vermont home insurance carriers using a combination of current (2025) statewide pricing benchmarks, third\u2011party indicators of financial stability, coverage and endorsement breadth, discounts, and customer\u2011experience signals. Pricing context reflects recent statewide averages from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> for $250,000 Coverage A and from <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/vermont\/\">Policygenius<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a> for $300,000 Coverage A. Vermont\u2019s long\u2011run position as a lower\u2011cost state is anchored by NAIC expenditure data via the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>.<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Customer Ratings \u2014 We referenced the latest J.D. Power U.S. Home Insurance Study (1,000\u2011point scale) for methodology and current context. Brand rankings vary by year; consult the latest study prior to purchase.<\/li><li>Coverage \u2014 We compared base HO forms and key add\u2011ons (water backup, service line, equipment breakdown, ordinance or law, scheduled valuables). See the <a href=\"https:\/\/content.naic.org\">NAIC homeowners guide<\/a> and carrier product pages for details and availability.<\/li><li>Confidence \u2014 Financial strength references are based on <a href=\"https:\/\/www.ambest.com\/ratings\/\">A.M. Best<\/a> Financial Strength Ratings (FSRs). Verify each insurer\u2019s current FSR, outlook, and rating action date on AM Best before binding coverage.<\/li><li>Customer Experience \u2014 We reviewed recent complaint and service indicators using NAIC benchmarking concepts and state consumer guidance; complaint levels can vary year\u2011to\u2011year and by carrier.<\/li><\/ul>\n\n\n\n<p>Rates shown in this review are contextual statewide benchmarks from 2025 market surveys (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/vermont\/\">Policygenius<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>) and are for comparative purposes only. Your quotes may be higher or lower.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). \u2020Premium figures shown as \u201c\u2248$700\u201d reference Vermont\u2019s 2025 statewide average for $250,000 Coverage A; see sources above for details.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re shopping for homeowners insurance in Vermont, we recommend checking out Vermont Mutual Insurance and Concord Group Insurance. Both companies tend to price at or below Vermont\u2019s current statewide averages for standard coverage, and Vermont itself remains one of the lower-cost states for home insurance. For 2025, multiple market studies place average premiums roughly [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":353555,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Homeowners Insurance Companies in Vermont | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of top Vermont home insurance providers, including national and local providers. We compare premiums, customer satisfaction, and more when making our selection.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-vermont\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Homeowners Insurance Companies in Vermont | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Our review of top Vermont home insurance providers, including national and local providers. 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