Burlington, VT Home Insurance - Analysis On Quotes, Rates & Agents
Burlington, VT Insurance Rates:
The average cost of home insurance in Burlington, VT is $850 while the average cost of insurance in the state is $783 Home insurance is lower/higher than the average home insurance rates in the state. vHome Insurance stresses the importance of comparing home insurance quotes provided by different insurers. Enter your Zip Code in the banner below to get instant home insurance quotes.
Burlington, VT homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in Burlington, VT
- Burlington, VT Homeowners Insurance for Different Coverages
- Visual Guide for Burlington, VT Home Insurance Buyers on Insurance Companies and Rates
- Burlington, VT Homeowners Insurance Rate Based on Claims Filed
- Burlington, VT Home Insurance Premium Based on the Number of Bedrooms
- Burlington, VT Home Insurance Premiums for Different Deductibles
- Burlington, VT Homeowners Insurance Premium Based on the Age of the Home
- Burlington, VT Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on Burlington, VT Homeowners Insurance
- Burlington, VT Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in Burlington, VT
Average Home Insurance Premium in Burlington, VT
| National Average Premium | State Average Premium | Burlington Average Premium |
|---|---|---|
| $1,438 | $783 | $850 |
Top Home Insurance Companies in Burlington, VT | Back to Top
The following is a list of home insurance companies that provide the best home insurance quotes in Burlington, VT.
| Company Name | Coverage $70,000 | Coverage $150,000 | Coverage $200,000 | Coverage $350,000 |
|---|---|---|---|---|
| Safeco | $816 | $979 | $1,273 | $1,757 |
| State Farm | $761 | $913 | $1,187 | $1,639 |
| Allstate | $541 | $649 | $844 | $1,164 |
| Vermont | $520 | $624 | $811 | $1,119 |
Burlington, VT Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 354.99 |
| $150,000 To $174,999 | 480.98 |
| $175,000 To $199,999 | 561.25 |
| $200,000 To $249,999 | 646.3 |
| $250,000 To $299,999 | 943.5 |
| $300,000 To $399,999 | 1,295.71 |
| $400,000 To $499,999 | 1,538.46 |
| $500,000 To $749,999 | 1,969.23 |
| $750,000 To $999,999 | 2,276.92 |
| $1000,000 To $1499,999 | 2,507.69 |
| $1500,000 To $2000,000 | 2,692.3 |
Visual Guide for Burlington, VT Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near Burlington, VT | Back to Top
| 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 |
List of Burlington, VT Home Insurance Agents by Companies
Burlington, VT Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in Burlington, VT who have no previous history of filing for claims are eligible for a discount of $110.5. Homeowners in Burlington, VT who have filed one claim previously have to pay an additional home insurance rate of $51, while homeowners who have filed 2 claims previously have to pay $102 on their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -111 | 740 |
| One Claim | +51 | 901 |
| Two Claim | +102 | 952 |
Factors Affecting Home Insurance Premiums in Burlington, VT
Homeowners staying in Burlington, VT have to pay an average of $850 as the home insurance cost. There are several factors that affect home insurance premiums in Burlington, VT. vHome Insurance lists the factors that could help homeowners lower their homeowners insurance premiums.
Burlington, VT Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 359 |
| 3 Bedroom | 674 |
| 4 Bedroom | 1,033 |
| 5 Bedroom | 2,021 |
Burlington, VT Home Insurance Premiums for Different Deductibles | Back to Top
Burlington, VT homeowners who pay a low deductible rate of $500 pay a higher rate for their home insurance, while Burlington, VT homeowners who pay a deductible rate as high as $2500 pay a lower rate as part of their home insurance, as seen in the table below.
| Deductible Type | Average Homeowners Insurance Cost($) |
|---|---|
| $500 Deductible | 840 |
| $1000 Deductible | 760 |
| $1500 Deductible | 715 |
| $2000 Deductible | 649 |
| $2500 Deductible | 610 |
Burlington, VT Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in Burlington, VT pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 612 |
| Year 30 Old | 863 |
| Year 40 Old | 872 |
| Year 50 Old | 882 |
| Above Year 50 | 891 |
Burlington, VT Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top
| Construction Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Fire Resistive | 85 | 765 |
| Masonry | 43 | 808 |
| Brick | 43 | 808 |
| Superior | 85 | 765 |
| Hail Resistant Roof | 26 | 825 |
Top Saving Tips on Burlington, VT Homeowners Insurance | Back to Top
Depending upon the construction type and the construction materials of the home, Burlington, VT homeowners receive a considerable amount of discounts. Burlington, VT homeowners can also make use of bundling discounts to lower home insurance premiums. Furthermore, senior citizens residing in Burlington, VT receive additional discounts on their homeowners insurance. Homes installed with security devices are considered a safe bet for home insurers. As a result, home insurance companies tend to offer discounts to Burlington, VT homes with enhanced security features.
The tables below contain the complete list of discounts that Burlington, VT homeowners can take advantage of to increase their savings.
Burlington, VT Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 153 | 697 |
| Retiree Discount (Senior Citizen Discount) | 119 | 969 |
| Newly Constructed Home | 238 | 612 |
Burlington, VT Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 94 | 757 |
| Fire Extinguishers | 85 | 765 |
| Smoke Detectors | 102 | 748 |
| Sprinkler System | 68 | 782 |
| Fire Alarm | 51 | 799 |
| Burglar Alarm | 77 | 774 |
| Lightning Protection | 17 | 833 |
Latest Home Insurance Reviews
Concord Group InsuranceThe 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 FarmTheir 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.
AllstateAll 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 FarmI 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.
TravelersI'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.
AllstateOur 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
ProgressiveI would recommend this insurance company for home insurance because they cater to the needs of their customers. Their service is second to none.
Farmer's InsuranceI 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.
TravelersThere 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 MutualI 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.
GeicoI 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.
ProgressiveThe premium for my homeowners insurance policy is fair compared to amounts quoted by other insurance companies, still keeping the coverage amounts adequate.
State FarmI 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.