What is a typical home insurance cost in Vermont?
Our current modeled benchmark is $1,396 per year, with a broad modeled range of $1,173 to $1,647. This is not a published state average or insurer quote; it is a comparative model anchored to NAIC's 2024 Northeast regional premium average and adjusted using local housing and recent severe-weather data.
Cost by home value in Vermont
These are model scenarios, not carrier quotes. Home value changes the benchmark sublinearly because insurance coverage and pricing do not move one-for-one with market value.
| Home value | Low | Midpoint | High |
|---|---|---|---|
| $200,000 | $948 | $1,129 | $1,332 |
| $300,000 | $1,106 | $1,317 | $1,554 |
| $400,000 | $1,234 | $1,469 | $1,733 |
| $500,000 | $1,343 | $1,599 | $1,886 |
| $750,000 | $1,567 | $1,865 | $2,201 |
| $1,000,000 | $1,748 | $2,080 | $2,455 |
| $1,500,000 | $2,039 | $2,427 | $2,864 |
Why Vermont costs can differ
Most common recent NOAA event types: Winter Weather (568), Winter Storm (337), Thunderstorm Wind (327), Strong Wind (194), Flash Flood (113).
Counties and cities
What the number means
The modeled benchmark combines a published NAIC regional homeowners premium anchor with Census housing values and NOAA severe-weather frequency. It is designed to answer comparative research questions consistently while avoiding the false precision of calling a modeled ZIP or city figure an observed insurance premium.