🏠 Home insurance cost in Vermont (2026)
The estimated average is $1,265 per year — below the national average (-45% vs. the U.S. average of $2,300).
Vermont is home to about 0.6 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Burlington typically differ from smaller towns.
Estimate your home insurance in Vermont
Vermont home insurance estimator
Starts from the Vermont average. Estimate only — get quotes to confirm.
Home insurance cost in Vermont cities
| City | Population | Est. home insurance |
|---|---|---|
| Burlington | 44,743 | $1,214 |
| Essex | 22,094 | $1,214 |
| South Burlington | 20,292 | $1,214 |
Vermont home insurance FAQ
How much is home insurance in Vermont?
The estimated average home insurance in Vermont is $1,265 per year, which is below the national average (-45% vs. the U.S. average of $2,300). Vermont ranks 51 of 51 states from most to least expensive.
Why is home insurance cheaper in Vermont?
Home insurance pricing in Vermont reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on home insurance in Vermont?
Compare at least three quotes from insurers active in Vermont, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.