Affordable Home Insurance in Vermont
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What drives home insurance rates in Vermont
Average homeowners premium, 2023
$1,215
The average homeowners policy in Vermont cost $1,215 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
47.4¢
Home insurers in Vermont paid 47.4 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
45
NOAA logged 0 tornado, 6 large-hail and 39 flash-flood event reports in Vermont in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#50
FEMA ranks Vermont #50 of 51 for expected annual loss from natural hazards; flood accounts for 73% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Vermont
The ten insurer groups that wrote the most home premium in Vermont in 2025, with their share of the state total of $326 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Vermont Mutual Group | 11.98% | $39 million |
| 2 | Liberty Mutual Group | 11.36% | $37 million |
| 3 | State Farm Group | 9.61% | $31 million |
| 4 | Co. Operative Insurance Companies | 9.08% | $30 million |
| 5 | Travelers Group | 6.81% | $22 million |
| 6 | United Services Automobile Association Group | 6.15% | $20 million |
| 7 | Auto Owners Group | 5.35% | $17 million |
| 8 | Allstate Insurance Group | 5.03% | $16 million |
| 9 | Chubb Ltd Group | 4.81% | $16 million |
| 10 | American Family Insurance Group | 4.32% | $14 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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