Vermont Homeowners Insurance

Many people think of maple syrup when they hear about Vermont. Not as many associate natural disasters with the small northern state. However, New England is known for frequent storms and devastating weather. That’s why having good insurance coverage in the Green Mountain State is important.

 

Every homeowner deals with potential risks like theft and property damage, and to make sure you’re protected against those, plus everything the weather brings your way, you need Vermont homeowners insurance. This coverage can help pay for damages to the structure of your home, making sure your personal property and your possessions are all protected.

 

To determine what your unique home needs for coverage, consider everything it endures throughout the year. From the rainy spring season to the snowy winter months, the weather can do a lot of damage to a New England home. In fact, Vermont residents see a lot more rain and snow than most other states, facing an average of 43 inches of rain and 86 inches of snow each year.² Luckily, Vermont home insurance can help protect your home from the risks this kind of weather can bring, including property damage and bodily injury claims.

 

Your Vermont homeowners insurance includes standard coverages, like:

 

Other structures insurance which helps protect the structures on your property that aren’t connected to your home. For instance, this coverage can help replace your broken fence.

 

Dwelling insurance to help cover your home and the buildings attached to it. For example, if your garage gets damaged in a storm, this coverage can help cover its repair costs.

 

Personal property insurance, which can help pay to fix or replace your personal possessions in your home if they’re damaged or ruined. For instance, if your living room furniture is damaged from fire, this coverage can help pay to replace it.

 

Personal liability coverage to help protect you from claims alleging you’re responsible for someone else’s injury or property damage. For example, if you overthrow a baseball while playing catch and it breaks your neighbor’s window, this coverage can help cover the damages.

 

Medical payments insurance to help pay medical bills for an injury that occurs at your home.³ So, if your neighbor trips, falls and breaks their arm, this coverage can help pay for their medical expenses up to your policy limits.

 

If you’re looking to customize your insurance coverage, we make it easy. We can guide you through our coverage options and help you decide if you need any additional coverages, like personal property insurance.

 

The national average for homeowners insurance rates can vary by state. According to the Insurance Information Institute (III), in 2019, the average cost of insurance premiums for homeowners insurance in the state of Vermont was $947. This was lower than the national average of $1,272. This chart shows the average homeowners insurance rates in Vermont and the U.S. in previous years:⁴

Vermont homeowners have some of the lowest homeowners insurance rates in the country. However, we offer discounts to help you save even more. You can reduce your rate by:

 

At The Hartford, we strive to be an insurance company that really puts our customers first. We know there are plenty of home insurance companies to choose from, but not all of them offer special discounts or custom coverages. Discover the difference of a home insurance policy with us and get your home insurance quote today. We’ve been providing homeowners insurance quotes and solutions to Vermont residents for years. And we’re here to help however we can, going over the terms and conditions in detail to make sure you get the coverage you need.

 

 

Last Updated: April 6, 2023

 

** Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.