Vermont Mutual Insurance review: Home & car

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Vermont Mutual Insurance is one the most established property and casualty insurers in the country. The company was established in 1828, and has had its headquarters in Montpelier for more than 190 years.

Vermont Mutual today offers a wide range of insurance products including auto and home insurance. There are policies available in Connecticut, Maine and Massachusetts as well as New York, New Hampshire, New York and Rhode Island. However, policy availability can vary by state.

Vermont Mutual car insurance

Vermont Mutual offers car insurance in Massachusetts, Maine and New Hampshire. Unfortunately, there is not much information online about the personal auto insurance policies of Vermont Mutual. To learn more about Vermont Mutual auto coverage, prospective customers should contact an independent agent.

Types of coverage

Vermont Mutual does not reveal the types of coverage that are included in its auto insurance policies. These coverage options might be available:

  • Full coverage coverage: Many insurance companies offer full coverage insurance that includes collision, comprehensive and liability coverages, as well as medical payments coverage.
  • Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage protects drivers if they get into an accident with someone who does not have insurance or does not have enough insurance to cover their full liability.
  • Personal Injury Protection: Personal Injury Protection (PIP), is often required by no-fault states. It pays for the medical expenses of drivers after an accident, no matter who caused it.
  • Roadside Assistance: This service provides basic roadside car repairs as well as towing and fuel delivery, as well as locksmith services.
  • Gap insurance If the vehicle is totaled, gap insurance covers the difference in the car’s market value and remaining loan balance.
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For more information, contact Vermont Mutual directly.

Cost of Vermont Mutual car insurance

Vermont Mutual auto insurance policies cost more than the average rate in Vermont, but they are not much more expensive. Drivers pay an average $1,027 annually for full coverage insurance, and $320 per yr for minimum coverage insurance through Vermont Mutual. The average cost for car insurance in Vermont for full coverage is $975 and $256 respectively.

Minimum coverageFull coverage
$320$1,027

Get Discounts

Vermont Mutual offers car insurance discounts. However, the complete list of discounts isn’t available online. Prospective customers can contact an independent agent to learn more about discounts.

Vermont Mutual Home Insurance

Vermont Mutual offers comprehensive home insurance coverage for New England residents. The company also offers Homeowners Widening Endorsement policies that provide additional protection for personal protection. There are three levels to choose from: Elite Endorsement, Advanced Amendment, and Enhanced Amendment. These offer greater coverage and more savings. Potential customers should speak to an agent to determine which policy best suits their needs and budget.

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Types of coverage

These coverage are available to Vermont Mutual home insurance policies:

  • Basic coverage. Vermont Mutual offers basic home insurance that covers dwelling, personal property and liability.
  • Home Business endorsement: Vermont Mutual offers coverage for equipment and income loss.
  • Home system protection:Home systems protection covers equipment, systems, and appliances that are damaged due to a covered peril up to $50,000. This coverage is also available for computers and tablets.
  • Underground service coverage: Homeowners have the option to purchase coverage for underground service lines in order to protect them from any damage.
  • Homeowners Expanding Endorsements There are many coverages available, including identity fraud coverage, debris removal, valuables theft coverage and water backup coverage.

Get Discounts

Vermont Mutual does NOT offer home insurance discounts. Ask an agent for details.

Ratings, reviews, customer satisfaction, and complaints about Vermont Mutual

OrganizationRating Vermont Mutual
AM BestA+
Better Business Bureau (BBB)A+
NAIC Company Complaint Index1.04 (higher than the average number of complaints)

Ratings for Vermont Mutual Insurance are mixed. The company has an A+ rating from AM Best is a sign of financial strength. Vermont Mutual also has an A+ rating from the BBB. However, it is rated an average of 1.18 stars based on 11 customer reviews. According to the Company Complaint Index of the National Association of Insurance Commissioners’ , Vermont Mutual has a slightly higher percentage of customer complaints than the industry average.

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Vermont Mutual is a great choice

Vermont Mutual Insurance is an excellent option for New Englanders looking for local insurance companies. Local providers are more likely to provide better customer service than those from national companies. They also tend to be more personal. Vermont Mutual has more than 300,000. This is impressive for a regional insurer.

Vermont Mutual’s comprehensive coverage is a big plus for homeowners. Homeowners can customize their policy to meet their needs by adding Homeowners Broadening Endorsement policies. However, the company doesn’t disclose any discounts it offers.

If you are looking for auto insurance for your driver, it is worth considering a different provider. The Vermont Mutual auto insurance coverage policy is not comprehensive and the policies are more costly than the average. The company also lacks the same online tools and resources as larger providers, such as a mobile app or online quotes.

Vermont Mutual Insurance is a good choice for home and auto insurance. Prospective customers shouldn’t rely solely on the website for information about policies. Vermont Mutual is an independent agent that can help you determine if the provider offers the coverage and discounts you are looking for.

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Vermont Mutual also offers additional policies

Vermont Mutual also offers auto and home insurance.

  • Dwelling fire insurance
  • Insurance on valuable items
  • Marine insurance for the inland
  • Personal umbrella insurance
  • Insurance for business owners
  • Commercial umbrella insurance

Questions frequently asked

Which is the best auto insurer?

Every driver will have a different best car insurer. It all depends on where the driver lives, what kind of coverage they require, how much they want, and what discounts they are seeking.

Which is the best company for home insurance?

The best home insurer is similar to auto insurance. Some homeowners want the best customer service while others seek the lowest rates. Others are seeking specific coverages. It is important to compare different providers and shop around to find the best home insurance company.

Are auto and home insurances required?

In almost all states, auto insurance is required. The required coverage varies depending on where you live. However, home insurance is not mandatory. However, most mortgage lenders require homeowners have home insurance until the loan is paid off.