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.

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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 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.
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.
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.
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
I 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 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.
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.
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.
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.