Burlington Insurance Rates:

Burlington, VT homeowners insurance is approximately $628 to $852, about $52-$71/month. Our exhaustive guide shows customers can save as much as $296 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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What is the Average Home Insurance Cost in Burlington, VT

Home insurance is one of the most important types of insurance to have. It protects your home and belongings in the event of a covered loss. Home insurance in Burlington, VT, can be found through various insurance carriers. When shopping for home insurance in Burlington, VT, it is important to compare rates and coverage options from multiple carriers. This will help you find the most affordable policy for your needs. It is also important to read the fine print of any policy you are considering. This will help you understand what is and is not covered by your home insurance policy. There are a few things that are typically covered by home insurance policies. These include damage from fires, windstorms, and lightning. Home insurance policies also typically cover theft and vandalism.

In Burlington, Vermont, the average cost of homeowner's insurance is $850. However, costs can differ based on the cost of your house, the level of coverage you require, and the deductible you select. The cost of homeowner's insurance is determined after carefully considering a number of criteria. These include the age of the home, prior insurance claims, the level of coverage, the deductible, the location, the ZIP code, and other elements. Here are some suggestions for locating cheap home insurance in Burlington, Vermont.

Multi-Policy Insurance

Your rates will decrease the more insurance plans you have with the same provider. This is so that customers who bundle their plans can benefit from discounts offered by insurance firms. The multi-policy discount for house insurance is normally 10%. Therefore, you might save 10% on your home insurance cost if you have both your auto and home insurance with the same provider. With a multi-policy discount, the amount you'll save varies based on the insurance provider and the scope of your coverage. However, it's worthwhile to consider a multi-policy discount if you want to reduce the cost of your house insurance. Homeowners in Burlington, Vermont, can purchase home insurance for $705 after selecting multi-policy insurance.

Safety Features

A home with a security system has a lower chance of being broken into than one without one. As a result, this residence will have a lower insurance premium. The same holds for houses with fire sprinklers, smoke alarms, and other security features. A home's safety features have a big impact on how much insurance will cost. For instance, in Burlington, Vermont, residences with sprinkler systems and smoke detectors pay $799 and $731 in home insurance, respectively.

Claims History

If a home has a history of frequent or expensive claims, the insurance company will likely charge a higher premium to cover the increased risk. Conversely, a home with a good claims history will typically enjoy lower rates. If you are shopping for home insurance in Burlington, VT, be sure to ask about the claims history of the homes you are considering. This information can be valuable in determining which company offers the best rates. For example, for people who have never made a claim, homeowners insurance in Burlington, Vermont, costs $739. The premiums for people who have made one or two claims are $926 and $952, respectively.

Burlington, VT Homeowners Insurance By Home Value

Burlington, VT Home Value Total Homes % of Total Average Burlington, VT Homeowners Insurance
Less than $50,000 125 2.0% $66
$100,000 to $124,999 112 1.0% $310
$125,000 to $149,999 114 2.0% $384
$150,000 to $174,999 418 7.0% $458
$175,000 to $199,999 604 10.0% $532
$200,000 to $249,999 1,698 30.0% $636
$250,000 to $299,999 1,242 22.0% $784
$300,000 to $399,999 1,231 21.0% $991

Top Home Insurance Agents Near Burlington, VT

Home Insurance Company Near Burlington, VT Homeowners Insurance Agency Near Burlington, VT Address
Liberty Mutual Independent Essex Agency Inc 2 Railroad St , Essex Junction, VT, 5452
Travelers Kinney Pike Insurance Inc 42 MEADOW LANE, RANDOLPH, VT, 5068
Liberty Mutual Independent Mccrillis & Eldredge Ins Inc 2 PARK ST, BRANDON, VT, 5733
Travelers Rowell Insuring Agency 323 TOM MILLER RD, PLATTSBURGH, NY, 12901
Allstate Walter Hausermann 18A Maple St, Essex Junction, VT, 5452

Burlington, VT Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Burlington, VT

Streets in Burlington Area Homeowners Insurance Cost
Glenwood Ln, Forest St, Southcrest Dr, Brookes Ave, Ave A, Westminster Dr, Riverside Ave, Ferguson Ave, Lake Forest Rd, Loomis St$755
Latham Ct, Starr Farm Rd, Leddy Park Rd, Ethan Allen Pkwy, Crescent Beach Dr, Intervale Rd, Germain St, Crowley St, Hardy Ave, King Street Dock$736
Saint Paul St, Barley Rd, Linden Ter, N Prospect St, Berry St, Caroline St, Kingsland Ter, Tower Ter, Cherry Ln, Meridian St$804
Crescent Rd, Fairmount St, Sky Dr, Faith St, East Ave, S Champlain St, Hildred Dr, Cedar St, Myrtle St, Center St$729
Laurel Ct, Pomeroy St, Spring St, Grant St, S Meadow Dr, Vesthaven Dr, Flynn Ave, Harrington Ter, Tracy Dr, S Cove Rd$750

Burlington, VT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Burlington$110 to $113
Winooski$108
Colchester$110
South Burlington$111

Burlington, VT Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Winooski city, Vermont $109 $145 $218
Colchester town, Chittenden County, Vermont $110 $147 $221
South Burlington city, Vermont $111 $148 $222

Burlington, VT Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Burlington, VT3.5%8.4%
Winooski3.9%9.51%
Colchester3.49%9.51%
South Burlington3.22%8.4%

Burlington Renters Insurance as a Percentage of Rent

Burlington Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 121 1.0% $332
$200 to $299 621 6.0% $782
$300 to $499 676 6.0% $1232
$500 to $749 1,165 12.0% $1907
$750 to $999 2,534 26.0% $2657
$1,000 to $1,499 2,851 29.0% $3782
$1,500 or more 1,693 17.0% $5432

Burlington, VT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$4,200
Yearly Burlington Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,200$4,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,100$12,600
Net Savings to Burlington Home Owner from High Deductible Plan $500

Burlington, VT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Burlington, VT Home Replacement Value MORE than Home Value Burlington, VT Home Replacement Value LESS than Home Value
Replacement Value $397,500 $270,500
Insurance Premium based on Replacement Value $2,075 $1,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $63,500 Risk Exposure from Under Insuring Coverage is $63,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $325/year

Example Burlington Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceAmica Mutual Insurance Company
Monthly Premium 3877224
Year Built 194719621979
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$250000-$300000$500000-$600000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Burlington, VT from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1965 375,000 Asphalt Shingles Roof 2,740 5 $500 Deductible 950 6 Wood siding No
1967 255,000 Shingles Roof 2,290 3 > $10,000 Deductible 60 1 Stone Siding No
1943 295,000 Metal Roof 1,980 5 > $10,000 Deductible 360 5 Stucco siding No
1981 335,000 Wood Shake Roof 2,830 4 $2500-$5000 Deductible 470 4 Brick siding No
1983 185,000 Slate Shingles Roof 1,550 3 $1000-$2500 Deductible 70 1 Brick siding No
1969 155,000 Composition Roof 1,190 2 $1000-$2500 Deductible 50 1 Fiber-Cement Siding yes
1960 145,000 Asphalt Shingles Roof 1,210 2 $1000-$2500 Deductible 300 5 Fiber-Cement Siding No
1942 170,000 Wood Shake Roof 1,430 3 $500- $1000 Deductible 210 4 Vinyl siding No
1971 190,000 Slate Shingles Roof 1,580 3 $500- $1000 Deductible 600 7 Stone Siding No
1940 445,000 Asphalt Shingles Roof 2,960 5 $1000-$2500 Deductible 1660 12 Stucco siding No
1976 285,000 Membrane Roof 2,250 4 $500- $1000 Deductible 350 3 Vinyl siding yes
1941 175,000 Tile Roof 1,500 3 $5000 to $10,000 Deductible 100 2 Stone Siding No
1947 360,000 Slate Shingles Roof 2,730 5 $500- $1000 Deductible 780 5 Fiber-Cement Siding No
1971 130,000 Tile Roof 1,170 2 $2500-$5000 Deductible 40 1 Brick siding yes
1946 265,000 Composition Roof 1,660 2 $500 Deductible 840 8 Vinyl siding No
1989 120,000 Shingles Roof 1,070 2 $1000-$2500 Deductible 380 9 Stone Siding yes
1987 230,000 Metal Roof 1,570 2 $1000-$2500 Deductible 780 8 Fiber-Cement Siding yes
1987 540,000 Tile Roof 3,950 5 $500- $1000 Deductible 1190 5 Fiber-Cement Siding No
1946 445,000 Composition Roof 2,900 5 $500 Deductible 640 4 Stone Siding yes
1978 120,000 Membrane Roof 1,070 2 $500 Deductible 320 7 Wood siding No
1972 195,000 Tile Roof 1,530 3 $500 Deductible 910 12 Stucco siding No
1971 420,000 Asphalt Shingles Roof 3,350 5 $2500-$5000 Deductible 1450 12 Wood siding yes
1970 260,000 Slate Shingles Roof 1,590 5 $5000 to $10,000 Deductible 770 9 Stucco siding No
1968 465,000 Slate Shingles Roof 3,780 5 $1000-$2500 Deductible 1710 10 Brick siding yes
1980 165,000 Wood Shake Roof 1,370 2 $500- $1000 Deductible 400 6 Stone Siding yes
1968 375,000 Shingles Roof 3,010 5 > $10,000 Deductible 980 12 Stucco siding yes
1989 505,000 Tile Roof 3,960 5 > $10,000 Deductible 100 1 Wood siding yes
1968 430,000 Tile Roof 2,970 5 $500 Deductible 780 5 Stucco siding yes
1948 335,000 Metal Roof 2,350 3 $5000 to $10,000 Deductible 910 9 Vinyl siding yes
1970 185,000 Tile Roof 1,600 5 $500 Deductible 280 6 Vinyl siding yes
1966 230,000 Metal Roof 1,970 5 > $10,000 Deductible 200 6 Stucco siding No
1982 140,000 Wood Shake Roof 1,260 2 $500- $1000 Deductible 690 9 Stone Siding No
1944 450,000 Metal Roof 2,860 4 $2500-$5000 Deductible 120 1 Wood siding No
1983 335,000 Shingles Roof 2,770 4 $1000-$2500 Deductible 240 2 Stucco siding No

Latest Home Insurance Reviews

Farmer's Insurance
I have not comparison shopped because I am always told by the other companies that they cannot offer me the same coverage. Therefore, I am satisfied with my premium.
Travelers
There are so many it is difficult at times to wade through all of the options and best coverage along with premiums. You have to shop around often to ensure you are obtaining the best coverage and rate.
Union Mutual
I supposedly had replacement insurance. the company, however, took off depreciation from the items that had been stolen, so that the amount they paid me was not nearly enough to replace the items.
Geico
I would give my home insurance a 5. GEICO insurance is a product of geico insurance which I use for my vehicles. Stillwater gives a bundle discount for using Geico as an insurance company.
Progressive
The premium for my homeowners insurance policy is fair compared to amounts quoted by other insurance companies, still keeping the coverage amounts adequate.
State Farm
I have recommended this insurance to a friend who bought a home in the area. She used both the company and the agent and was very happy for that.
Farmer's Insurance
It is about average however there is a lot of concern that the price will increase if we actually use it for something significant.
Allstate
Well, As I have said they offer low deduction with good insurance, so These is one of their best assest if you come to compare to other home insurance company.
Farmer's Insurance
their premium package is a nice product and the amount they deduct is affordable
Concord Group Insurance
The other thing i don't like is that i don't feel a close connection with them and i wonder if my home is valued at what it is worth. they do not contact me or reach out in any way, i just pay my annual bill and that is the only communication i have with them. the personal touch and customer service is lacking."
State Farm
Their customer service is always up to par, and the reps are very friendly. to be completely honest, at this point, i don’t see myself ever leaving this company.
Allstate
All State has great customer service and offers the lowest bundle package I can find. They will call me back quickly with answers to my questions
State Farm
I like the fact that I can track my driving habits with my app. There are times when you do not pay attention to breaking habits etc, which can save you money down the line.
Travelers
I've only contacted them for billing info - I've never had a claim. The few times I've contacted them, they've been prompt and courteous.
Allstate
Our agent is very good about reaching out to us with any changes to the plan. When we get a new vehicle it is easy to just call them an email over the info to get things added to the policy
Progressive
I would recommend this insurance company for home insurance because they cater to the needs of their customers. Their service is second to none.

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