The 3 Best Vermont Homeowners Insurance Companies

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Vermont isn’t just ice cream, maple syrup, and picturesque fall foliage. The Green Mountain State also experiences its fair share of turbulent weather. Harsh New England winters bring heavy snowfall and rain, posing a high risk of property damage for homeowners — not to mention the wreckage an occasional late summer hurricane can bring, such as .

Luckily for Vermont residents, however, homeowners insurance premiums in the state remain low. The average rate is $782, compared to the national average of $1,034. When it comes to shopping for Vermont home insurance, it is important to consider potential risks and fully understand what your policy covers and, more importantly, what it doesn’t.

To help aid in your search for an affordable and comprehensive homeowners insurance policy, we’ve outlined our top picks and included an online quote tool so you can weigh your options with accurate estimates in your area.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Liberty Mutual

Liberty Mutual has one of the largest shares of the Vermont homeowners insurance market. The company is a popular choice because it offers affordable rates with numerous discount opportunities, as well as excellent claims management resources.

Liberty Mutual offers Vermont residents policy premium deductions for bundling home and auto insurance, installing protective devices, and opting for full replacement coverage. The company also has a large affiliate network of over 14,000 employers, organizations, and associations and offers additional savings and benefits to customers who are members.

Should you experience a loss and need to file a claim, Liberty Mutual offers multiple ways to report. While many insurance companies offer 24-hour phone support, Liberty Mutual goes above and beyond to offer 24-hour emergency repair services, every day of the year. Simply get in touch with the company after a loss and you will be connected with a vetted contractor in your area to perform any necessary maintenance to make your home livable again. Plus, you can feel confident knowing that Liberty Mutual guarantees all of the repairs done for a calendar year.


Backed by an A+ rating for financial strength from A.M. Best and consistently well rated for customer satisfaction, Travelers is a great option for affordable Vermont homeowners insurance.

A standard policy from Travelers can easily be customized to include one of many add-on coverage options, including increased protection from earthquakes, floods, and landslides, as well as identity fraud and personal liability umbrella coverage.

Travelers helps you save on your homeowners insurance premium by offering multiple discount opportunities. In addition to standard offerings like deductions for bundling multiple policies or having a claim-free history, Travelers also features a 5% sustainability discount. Having a LEED-certified “green” home won’t just save you money on your electric bills and taxes, it can also lower your homeowners insurance rate.

Vermont homeowners can also take advantage of Travelers’ Prepare and Prevent online resource center, which provides a wealth of information and tips for homeowners.

Vermont Mutual Insurance

has been providing reliable insurance products to New Englanders since 1828. The company has an A+ rating from A.M. Best.

Vermont Mutual offers a wide selection of homeowners insurance policies, ranging from standard to preferred coverage options for single-family houses, condos, and mobile homes. Multiple add-on coverages are available to customize your policy to your optimum level of protection.

Green Mountain State residents who operate home businesses can protect their assets through the Home Business Endorsement from Vermont Mutual, thereby cutting out the need to purchase a separate commercial property policy. Vermont Mutual offers convenient billing to customers, with plans that combine bills from any partnering companies into one payment plan.

Although Vermont Mutual does not have an online quote tool or as much information available on their website as some of their larger competitors, the company has hundreds of local independent agents available to meet with you and determine whether insuring your home through Vermont Mutual is the right option for your living situation and budget.

The 3 Best Vermont Homeowners Insurance Companies

  • Liberty Mutual
  • Travelers
  • Vermont Mutual Insurance

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

For more home insurance resources, check out our complete guide to homeowners insurance, or our list of the top national home insurance companies of 2019.