Vermont Homeowners Insurance Quotes

The Green Mountain State, as Vermont is known, is a great place to visit or call home. Vermont is a haven for outdoor enthusiasts and is exciting in all four seasons.

In summer you can head out to the mountains for some hiking, or kayak one of our numerous rivers or lakes. Fall is leafing season and no state puts on a show of color quite like Vermont. Wintertime is a great time to head up to the mountains for skiing and snowboarding or just to soak in the winter wonderland.

When it’s time to head back indoors, Vermont is bursting at the seams with quaint villages that offer unique art, cultural and historical sites. Shopping is always an option, regardless of whether you are in our largest city of Burlington or the more rural Bennington. The same goes for restaurants, art galleries and museums, whatever you are looking for, Vermont has it in spades.

If you are looking to move to our great state, you can’t go wrong. Burlington, a city of 42,000 is a great place to live and work, offering plenty of big city charm in a small package. Rutland, offers plenty of small town charm and Bennington is home to Southern Vermont University if a collegiate town is more your speed.

Vermont Facts

If you are moving to Vermont, here are a few facts about our great state:

Vermont currently has 322,539 total housing units with 256,442 being occupied.

Homeowners Insurance in Vermont

Vermont currently ranks 41st in the country for the cost of homeowners insurance.

Despite the fact that Vermont residents are already receiving a good deal on homeowners coverage, there is always room for improvement. Here are a few tips to help lower your premium:

1. Maintain Your Credit Score: Insurers love statistics and stats show that consumers with high credit scores tend to make fewer claims than those with poor credit scores. If you have a low credit score you will pay more for insurance so do your best to improve your score. Pay your bills on time, and monitor your score, as it improves, ask your agent to shop your coverage.
2. Discounts: Discounts can result in big savings and insurers offer tons of discounts. Ask your insurance agent to verify that you are getting all of the discounts that you are qualified to receive. Common discounts include bundling, paperless policies, paying your entire yearly premium at once as well as upgrading your home with wind resistant materials.
3. Shop Your Coverage: Experts recommend shopping your coverage once a year. Insurers rate risk differently so there can be huge variances in quotes. Make sure you are comparing apples to apples in regards to coverage levels and discounts. We can help make the process easier by sending your information to our national insurance partners who will send their best quotes directly to your inbox.

Know What Type and Coverage Levels You Need

Before you start shopping your coverage you should know what type of policy you need as well as optimal coverage levels. Here is a quick overview of the most common types of homeowner policies:

• HO-3: This is a standard homeowner policy. It is an exclusion policy, which means it covers all perils except those specifically excluded by the policy. Flood and earthquake damage are always excluded but most policies have other exclusions. Read your policy in full before signing on the dotted line.
• H0-6: This policy type covers co-ops and condos. It offers coverage for your personal possessions as well as the parts of the building that you actually own such as the walls and the electrical components in your unit. These policies only cover the 16 perils that are listed in the policy.
• HO-2: This is a very basic policy and only covers the listed perils in the policy. It does offers protection for your personal possessions. This policy type is not really recommended except for the very basic of coverages.

Factors to Consider in Vermont

While Vermont is a great place to live, we are not immune to severe weather, which can push up home insurance rates.

Severe weather such as blizzards, thunderstorms and even tornadoes have struck the Green Mountain state.

While you can’t control the weather, outfitting your home with weather resistant materials can result in a significant discounts. Weather resistant roofing, storm shutters and even a sprinkler system can dramatically lower your premiums.

If you are considering making Vermont your home, you are going to need a new Vermont homeowners insurance policy. We can help you find great coverage at a fair price.

Start shopping now for a fantastic new policy.