Vermont Mutual Insurance Review & Complaints: Car & Homeowners Insurance (2025)

For members of any generation, be it baby boomers or millennials, homeownership is an exciting phase of life that also brings on the realization that not just any insurance company will do when it comes to protecting your home.

If you want to work with an insurance company that has been proven by the test of time, look no further than Vermont Mutual. The Vermont Mutual Insurance Company has been in the insurance business for well over 150 years.

This insurance company has proven itself to be a reliable source of insurance coverage. But, of course, before you pick up the phone to dial the Vermont Mutual Insurance phone number and buy a policy, you should keep reading to learn more about what Vermont Mutual can offer you and where you can buy a Vermont Mutual policy.

As you read this Vermont Mutual review, feel free to enter your ZIP code so you can start comparing free quotes from companies in your area.

What is the Vermont Mutual Insurance Company?

Founded in 1828, Vermont Mutual Insurance is one of the oldest insurance companies in the United States. While it still maintains its head office in Montpelier, Vermont Mutual now provides insurance coverage to other states. However, you won’t find Vermont Mutual agents across the country. If you want to purchase a policy through Vermont Mutual, you’ll need to live in:

• Connecticut
• Maine
• Massachusetts
• New Hampshire
• New York
• Rhode Island
• Vermont

Now, bear in mind that not every policy Vermont Mutual offers is available in each of these states. For example, you can only purchase car insurance from Vermont Mutual if you reside in Massachusetts, Maine, New Hampshire, or Vermont.

Is Vermont Mutual a good insurance company?

If you are eager to work with a financially strong company, Vermont Mutual may be a good fit for you, as it has earned an A+ rating from AM Best. In addition, the Better Business Bureau has also awarded Vermont Mutual an A+ rating. Still, if you would like to know more about the company’s day-to-day interactions with its clientele, you may want to read some Vermont Mutual reviews from customers to determine if this is the best insurance company for you.

Tech-savvy consumers should also note that a few modern conveniences, like mobile apps, are not available with Vermont Mutual.

What products does Vermont Mutual offer?

Vermont Mutual doesn’t share much about its car insurance policies aside from the fact that standard coverages are available. However, you can call the Vermont Mutual car insurance phone number to learn more and discover if any additional coverage options are available to you.

When it comes to insurance coverage, Vermont Mutual’s home insurance policies are what really stand out. In addition to its standard coverage, Vermont Mutual offers Homeowners Broadening Endorsement policies. These policies contain supplementary coverage that can increase your personalized protection.

You can choose between three levels of coverage called the Enhanced Amendment, the Advanced Amendment, and the Elite Endorsement. Each one offers more coverage and more opportunities to reduce your rates. While you should always discuss your coverage options with an insurance representative before purchasing a policy, here’s a quick breakdown of some of the coverages that Vermont Mutual can offer you:

• Basic coverage
• Home business endorsement
• Home systems protection
• Underground service line coverage
• Homeowners Broadening Endorsements

With basic coverage, you would gain access to all the standard coverage that comes with a home insurance policy like dwelling coverage, liability coverage, medical payments, loss of use, and coverage for your personal property.

With more and more people running businesses from their homes, the home business endorsement can really come in handy. With this coverage, Vermont Mutual would provide protection for your home business equipment. Potentially, you could also receive coverage for lost business income if your home were to be damaged in a covered loss.

Home systems protection may also be a great help to individuals who work from home as this coverage extends from appliances to computers, and you can purchase up to $50,000 in coverage.

Your home insurance is an impressive tool that can protect important features that can’t be seen from the surface. For example, with Vermont Mutual’s underground service line coverage, you’ll be able to get the financial support you need if your service lines are damaged.

Now, the Homeowners Broadening Endorsements include the previously discussed Enhanced Amendment, the Advanced Amendment, and Elite Endorsement. With these endorsements, you would be able to receive coverage if debris removal were required, if anything valuable had been stolen, and if water were to back up into your home. You can even gain access to identity theft protection.

Does Vermont Mutual offer competitive rates?

Vermont Mutual’s car insurance policies cost, on average, $1,027 per year for full coverage insurance and $320 per year for minimum coverage. You can use this data table to see how Vermont Mutual’s rates compare to those provided by some of the biggest names in the insurance industry today:

Monthly Car Insurance Rates by Coverage Level for the Top Companies

Insurance Company	Low Coverage	Medium Coverage	High Coverage
	$386	$408	$428
	$281	$295	$285
	$327	$347	$375
	$250	$268	$286
	$484	$505	$530
	$283	$287	$292
	$311	$335	$363
	$255	$272	$288
	$352	$372	$385
	$200	$212	$222

Regarding home insurance, Vermont Mutual doesn’t provide a sample rate for its home insurance policy online either; however, the average rate of insurance in its covered areas is $1,101 per year for a $250,000 dwelling coverage.

Your rate could be very different. Whenever you fill out quotes for home insurance, you’ll be required to share information like your credit score, the age of your home, and the specifics of the structure of your home. These, alongside other details, come together to calculate a rate that is unique to you.

What You Need to Know About Vermont Mutual

Vermont Mutual has long been in the business of providing insurance products to protect residents of the Northeast. However, if you live outside of Vermont Mutual’s jurisdiction, you can always shop online to find an insurance company that is better suited to your needs.

If you’re looking to protect your home, Vermont Mutual does offer robust coverage packages that can keep your house and your belongings safe, but its car insurance policies aren’t anything to write home about. In short, Vermont Mutual is a company that can get you the coverage you need at a reasonable rate, but you may not be able to purchase any additional bells and whistles for your car insurance.

Now that you’ve finished this Vermont Mutual review, you have the tools you need to start shopping for insurance. Enter your ZIP code so you can receive free insurance quotes today.

Vermont Mutual FAQs

Does Vermont Mutual offer commercial insurance?

Yes, you can purchase a commercial umbrella policy, a commercial inland marine policy, and a business owners policy through Vermont Mutual.

Can I buy life insurance through Vermont Mutual?

Vermont Mutual doesn’t currently offer life insurance products, but you can shop online to find the best life insurance company for your needs.

How can I file a claim with Vermont Mutual?

Filing a claim with the Vermont Mutual claims department is simple. This insurance company provides a 24-hour service line that is available every day of the week and an online reporting option. Vermont Mutual even shares the addresses of its claims department offices, so you know exactly where your claim is being handled.