North Bennington, VT Homeowners Insurance Rate Quotes!

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Thank you for searching for North Bennington homeowners insurance quotes online with We can offer competitive rates for your home in North Bennington, VT. Our quick quoting process allows homeowners to compare and review multiple coverage and policy options, we can usually help you compare the top 12 best rates in your area. North Bennington is a great place to live and has over 904 homes that are currently insured by a standard homeowners policy. Although the North Bennington population is 19,026, many homeowners have found that they are paying too much for a single family home and would like to make sure they have affordable coverage to help save them money on recent mortgage costs. Getting the right coverage provides the protection you need from expensive repairs that a fire, wind or theft may cause. Wouldn’t you like a dependable company to provide the financial support and reassurance you need if something happened to your home? Easily shop and compare up to 12 rate quotes all in one place.

Best Rates & Coverages in North Bennington

Lowering your homeowners insurance rates is a big ticket item these days, as rates increase, we help you shop and compare the best rates and coverage options. Our free consulting process helps you get the answers you need fast to help make the best decision for your home and family. Average rates in North Bennington are around $65 per month ($785/yr.). Homes less than 1800 square feet can see rates as low as $535 per year. Larger homes in North Bennington cost more to insure so homeowners are paying around $1,085 a year, mainly because of the risk coverage needed to rebuild or replace the home.

Compare Homeowners Insurance Rates in North Bennington, VT!

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Get up to 12 competitive North Bennington, VT homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive North Bennington, VT rates all in one place!

Average Rates Nearby North Bennington

Are you looking for homeowners insurance in a city near North Bennington? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in North Bennington, VT

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in North Bennington.


North Bennington, VT Home Insurance Average Premiums

Local North Bennington, VT home insurance quotes comparison

$535 /yr.

Shows North Bennington's lowest average rates with discounts applied.

For the city of North Bennington, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$535 /yr.
Average Coverage:$785 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1085 /yr.

What is the average home insurance cost for a home in North Bennington, VT?

  • • The average homeowners insurance premium paid annually for a home in North Bennington is around $785 per year.

What does it cost on average per month for home insurance in North Bennington, VT?

  • • Homeowners in North Bennington pay an average cost per month around $65.00 for insurance coverage.

North Bennington, VT - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $0 $0
February $0 $0
March $0 $0
April $248,912 $0

Homeowners insurance will help cover the cost to repair or replace your North Bennington home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in North Bennington
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive North Bennington, VT homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive North Bennington, VT rates all in one place!

Saving Money Tips on North Bennington Home Insurance

A great way to save money on North Bennington homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the North Bennington area? Check out what homeowners are paying on average for Vermont homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
922 ft. This is the average home elevation in North Bennington, VT

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Vermont flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in North Bennington, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Bennington County.

Vermont Homeowners Insurance News & Information

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When ran the numbers, Oklahoma was the most expensive […]

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • Is Homeowners Insurance Part of Your New Years Resolution? Posted on Wednesday 31st January, 2024

    The New Year is here for 2024, and you have probably made a list of resolutions involving everything from eating better to losing a bit of weight. One thing that should be on everyone’s list is a review and update of their homeowners policy. The beginning of the year is a great time to pull […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

North Bennington, VT Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in North Bennington so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in North Bennington, VT?

- The average square footage in North Bennington is around 1,308 Sq. Ft. which would cost you around $207,900 to replace the home if you base the home on the price to build per square foot of $159.

Minimum Replacement Cost Total: $207,900

Location: North Bennington, Vermont (Bennington County)

Average Building Cost Per Square Foot in North Bennington: $159 (low end)

Average Square Footage in North Bennington: 1,308 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$159$207,900
Some Additional Upgrades$199$259,875
Major Home Updates or Advancements$239$311,850

The dwelling coverage is calculated by the average cost per square foot ($159) in North Bennington, Vermont times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $496,875 (Media price to build of $199 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.