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Windham County, VT Homeowners Insurance Quotes

We can help you shop and compare the best home insurance rates for your home in Windham County, VT. Our easy to use quoting application helps you review which carriers are most competitive in your area and which coverage option is best for your home, family and financial goals. Let us help you discover more affordable rates in Windham County.

When reviewing Vermont home insurance policies, Windham County residents are finding great ways to save time and money by finding more affordable rates when they shop online. Vermont may not be considered the cheapest state in the country to purchase home insurance, but it does rank lower than average at a national rank of 39. Homeowners within Windham County are paying around $984 for an annual home insurance policy, where the majority of the U.S. population pays around $1,249. The average home insurance rates we just mentioned reflect the cost of a standard (HO-3) homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop and compare competitive rate quotes today! Start a Windham County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.

For all Windham County, VT residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Windham County? Simply enter your zip code to get your Vermont homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Windham County, VT Housing Demographics

With 44,513 residents living within the Windham County area there are over 29,735 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 11,453 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Windham County.

DemographicValues
Total Occupied Households19,290
Family Households (families)11,453
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units29,735

Windham County, VT Home Insurance Average Premiums

Local Windham, VT homeowners insurance quotes comparison

$793 /yr.

Vermont's Average Home Insurance Rates Overall

For the state of Vermont, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 39 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$608 /yr.
Current Average Cost:$793 /yr.
Maximum Range:$984 /yr.

Vermont Homeowners Insurance News & Information

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

Discounts For Homeowners in Windham County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Vermont homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Windham County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Windham County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Windham County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Windham County Housing & Real Estate Data

Details:Statistics
Total Housing Units29735
Occupied Housing Units19290
Vacant Housing Units10445
Vacant Housing Units for Rent566
Vacant Housing Units Rented Not Occupied42
Vacant Housing Units For Sale276
Vacant Housing Units Sold Not Occupied20
Vacant Housing Units For Seasonal Occasional Use9122
Vacant Housing Units All Other Vacants419
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units19290
Housing Tenure Occupied Units Owner Occupied13124
Housing Tenure Occupied Units Owner Occupied Population30736
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied6166
Housing Tenure Occupied Units Renter Occupied Population12313
Housing Tenure Occupied Units Renter Occupied Average Household Size2