Seguro de viviendas en Vermont

Seguro de viviendas en VermontMany people think of maple syrup when they hear about Vermont. Not as many associate natural disasters with the small northern state. However, New England is known for frequent storms and devastating weather. That’s why having good insurance coverage in the Green Mountain State is important.
Every homeowner deals with potential risks like theft and property damage, and to make sure you’re protected against those, plus everything the weather brings your way, you need Vermont seguro de viviendas. This coverage can help pay for damages to the structure of your home, making sure your personal property and your possessions are all protected.
To find the most affordable prices and best coverage options, you can request quotes with the homeowners insurance companies that provide coverage in VT. Get your quote online from the AARP® Homeowners Insurance Program from The Hartford1  quickly and easily.

Selecting the Right Home Insurance in Vermont

To determine what your unique home needs for coverage, consider everything it endures throughout the year. From the rainy spring season to the snowy winter months, the weather can do a lot of damage to a New England home. In fact, Vermont residents see a lot more rain and snow than most other states, facing an average of 43 inches of rain and 86 inches of snow each year.2 Luckily, Vermont home insurance can help protect your home from the risks this kind of weather can bring, including property damage and bodily injury claims.

What Exactly Does Vermont Home Insurance Cover?

Homeowners Insurance VermontYour Vermont seguro de viviendas includes standard coverages, like:
Other structures insurance which helps protect the structures on your property that aren’t connected to your home. For instance, this coverage can help replace your broken fence.
Dwelling insurance to help cover your home and the buildings attached to it. For example, if your garage gets damaged in a storm, this coverage can help cover its repair costs.
Personal property insurance, which can help pay to fix or replace your personal possessions in your home if they’re damaged or ruined. For instance, if your living room furniture is damaged from fire, this coverage can help pay to replace it.
La cobertura por responsabilidad civil to help protect you from claims alleging you’re responsible for someone else’s injury or property damage. For example, if you overthrow a baseball while playing catch and it breaks your neighbor’s window, this coverage can help cover the damages.
Loss of use insurance, which helps pay your living expenses if you’re forced to leave your home temporarily while it’s repaired. This means if a storm destroys part of your home and you need to spend a few nights in a hotel, your living expenses are covered.
Medical payments insurance to help pay medical bills for an injury that occurs at your home.3 So, if your neighbor trips, falls and breaks their arm, this coverage can help pay for their medical expenses up to your policy limits.
If you’re looking to customize your insurance coverage, we make it easy. We can guide you through our coverage options and help you decide if you need any additional coverages, like personal property insurance.

How Much Does Homeowners Insurance in Vermont Cost?

The national average for homeowners insurance rates can vary by state. According to the Insurance Information Institute (III), in 2019, the average cost of insurance premiums for homeowners insurance in the state of Vermont was $947. This was lower than the national average of $1,272. This chart shows the average homeowners insurance rates in Vermont and the U.S. in previous years:4
Año Vermont Avg. Homeowners Insurance Cost National Avg. Homeowners Insurance Cost
2018 $935 $1,249
2017 $918 $1,211
2016 $898 $1,192
Vermont homeowners have some of the lowest homeowners insurance rates in the country. However, we offer discounts to help you save even more. You can reduce your rate by:
  • Installing safety features like smoke detectors and deadbolts
  • Making sure you buy the correct amount of coverage so you don’t have to pay-out-of-pocket later

Vermont Homeowners Insurance Discount

If you bundle your Vermont homeowners insurance with a car insurance policy from The Hartford, you can get a bundling discount. So, you can save up to 12% on auto insurance and up to 20% on homeowners insurance in Vermont when you combinar el seguro.** Our customers save an average of $813 after bundling their home and auto policies.**

Get a Vermont Homeowners Insurance Quote From The Hartford

At The Hartford, we strive to be an insurance company that really puts our customers first. We know there are plenty of home insurance companies to choose from, but not all of them offer special discounts or custom coverages. Discover the difference of a home insurance policy with us and get your home insurance quote today. We’ve been providing homeowners insurance quotes and solutions to Vermont residents for years. And we’re here to help however we can, going over the terms and conditions in detail to make sure you get the coverage you need.
Última actualización: 3 de abril de 2024
2 Best Places – Climate in Vermont.
Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 4 Insurance Information Institute (III), “Facts + Statistics: Homeowners and renters insurance”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.