Vermont homeowners insurance

Vermont is a state full of charm and breathtaking natural beauty. Progressive is proud to offer home insurance to Vermont residents — check out our coverages, discounts, and additional information for the Green Mountain State.

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How you're covered

Vermont doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Common claims in Vermont

The winter months bring a lot of snow and ice that can cause roof damage, and that snow and ice can turn into water damage when spring rolls around. The good news? Your home insurance policy may cover damage to your home's structure and belongings caused by winter weather up to your policy's limits, minus any deductible.

Learn more about how home insurance may cover damage caused by severe weather.

If you live near a body of water, like Lake Champlain or the White River, a flood insurance policy may protect your property and belongings from flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

Pro tip:

Progressive's online tool make it easy to compare rates and coverages across multiple providers. Use our HomeQuote Explorer® tool to find the right fit for you.

How much is homeowners insurance in Vermont?

Your cost for Vermont homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you've purchased in Vermont?

Vermont is a lucrative place to own a rental property, but make sure it's protected with the right type of insurance policy. Learn more about landlord policies and insurance for vacation or vacant homes.

Fast facts about homes in Vermont

  1. Vermont is home to Hildene, the Lincoln Family Home. It was built in 1905 by the son of Abraham and Mary Todd Lincoln.

  2. Vermont had a homeownership rate of 73.1% as of March 2021, according to the U.S Census Bureau.

  3. The home of President Chester A. Arthur, America's 21st President, has been restored and is now a historic site in Fairfield.

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