Home Insurance in Vermont
Vermont homeowners pay an average of $870/year for homeowner's insurance — well below average compared to the national average of approximately $1,700/year.
Primary Risks in Vermont
The main home insurance risk factors in Vermont are: Ice dams, flooding, nor'easter. Vermont has the second-lowest homeowner's insurance premiums in the nation. Winter weather is the primary risk. Flooding from tropical weather remnants (as with Tropical Storm Irene in 2011 and severe 2023 flooding) is an emerging concern.
What Standard Home Insurance Covers in Vermont
- Dwelling: Repairs or rebuilds your home structure after a covered loss
- Personal Property: Replaces furniture, electronics, clothing, and belongings
- Liability: Covers injuries that occur on your property
- Additional Living Expenses (ALE): Pays for temporary housing if your home is uninhabitable
Coverage Gaps to Watch in Vermont
Standard homeowner's policies in Vermont typically do not cover flood damage (requires separate NFIP or private flood policy) . Review your policy carefully for exclusions relevant to Vermont's risk profile.
Frequently Asked Questions
How much is home insurance in Vermont?
The average annual home insurance premium in Vermont is $870/year. Your actual rate will vary based on your home's age, size, construction type, location within Vermont, your claims history, and coverage amounts. Use our calculator above to estimate your cost.
What are the biggest home insurance risks in Vermont?
The primary risks driving home insurance costs in Vermont are ice dams, flooding, nor'easter. Vermont has the second-lowest homeowner's insurance premiums in the nation. Winter weather is the primary risk. Flooding from tropical weather remnants (as with Tropical Storm Irene in 2011 and severe 2023 flooding) is an emerging concern.
Does home insurance in Vermont cover flood damage?
No. Standard homeowner's insurance policies — including those in Vermont — do not cover flood damage. Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurer. Vermont has significant flood exposure — NFIP coverage is strongly recommended.
How much home insurance coverage do I need in Vermont?
You need enough dwelling coverage to rebuild your home at current Vermont construction costs, which can differ significantly from your purchase price or market value. Personal property coverage should equal the replacement value of your belongings. Liability coverage of at least $300,000 is recommended. Use our calculator to estimate your specific coverage needs.