Many people think of maple syrup when they hear about Vermont. Not as many associate natural disasters with the small northern state. However, New England is known for frequent storms and devastating weather. That’s why having good insurance coverage in the Green Mountain State is important.
Every homeowner deals with potential risks like theft and property damage, and to make sure you’re protected against those, plus everything the weather brings your way, you need Vermont
homeowners insurance. This coverage can help pay for damages to the structure of your home, making sure your personal property and your possessions are all protected.
To find the most affordable prices and best coverage options, you can request quotes with the homeowners insurance companies that provide coverage in VT. Get your quote online from the AARP® Homeowners Insurance Program from The Hartford1 quickly and easily.
Selecting the Right Home Insurance in Vermont
To determine what your unique home needs for coverage, consider everything it endures throughout the year. From the rainy spring season to the snowy winter months, the weather can do a lot of damage to a New England home. In fact, Vermont residents see a lot more rain and snow than most other states, facing an average of 43 inches of rain and 86 inches of snow each year.2 Luckily, Vermont home insurance can help protect your home from the risks this kind of weather can bring, including property damage and bodily injury claims.
What Exactly Does Vermont Home Insurance Cover?
Other structures insurance which helps protect the structures on your property that aren’t connected to your home. For instance, this coverage can help replace your broken fence.
Dwelling insurance to help cover your home and the buildings attached to it. For example, if your garage gets damaged in a storm, this coverage can help cover its repair costs.
Personal property insurance, which can help pay to fix or replace your personal possessions in your home if they’re damaged or ruined. For instance, if your living room furniture is damaged from fire, this coverage can help pay to replace it.
Personal liability coverage to help protect you from claims alleging you’re responsible for someone else’s injury or property damage. For example, if you overthrow a baseball while playing catch and it breaks your neighbor’s window, this coverage can help cover the damages.
Loss of use insurance, which helps pay your living expenses if you’re forced to leave your home temporarily while it’s repaired. This means if a storm destroys part of your home and you need to spend a few nights in a hotel, your living expenses are covered.
Medical payments insurance to help pay medical bills for an injury that occurs at your home.3 So, if your neighbor trips, falls and breaks their arm, this coverage can help pay for their medical expenses up to your policy limits.
If you’re looking to customize your insurance coverage, we make it easy. We can guide you through our coverage options and help you decide if you need any additional coverages, like personal property insurance.
How Much Does Homeowners Insurance in Vermont Cost?
The national average for homeowners insurance rates can vary by state. According to the Insurance Information Institute (III), in 2019, the average cost of insurance premiums for homeowners insurance in the state of Vermont was $947. This was lower than the national average of $1,272. This chart shows the average homeowners insurance rates in Vermont and the U.S. in previous years:4
Your Vermont