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Vermont Mutual Insurance Review



I started Insurance Blog by Chris ™ because I have a passion for insurance. Here on the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers who help people understand all forms of insurance.

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Written by

Chris Huntley

Founder of Huntley Wealth & Insurance Services

Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she received her Property and Casualty license in all 50 states. After several years, she expanded her insurance expertise and also received her license in health and AD&D insurance. She has worked for small health insurance companies …

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Reviewed by


Rachael Brennan

Licensed insurance agent

Rachael Brennan

UPDATED: March 31, 2022

Advertiser information

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Here’s Scoop

  • Vermont Mutual is one of the oldest insurance companies in America
  • It offers car, home, business, umbrella and many other types of insurance
  • Customers generally leave positive reviews for Vermont Mutual, and the company has an A + from the Better Business Bureau

Vermont Mutual was founded in 1828 and is one of the oldest insurance providers in the United States. The Vermont Mutual Fire Insurance Company has since developed into a quality home and auto insurance provider in several northeastern states.

As a mutual company, policyholders own Vermont Mutual. This means that Vermont Mutual will work hard to protect all of its policyholders.

If you are interested in Vermont Mutual insurance, you can learn more about this staple in US insurance below. Then compare quotes with other companies to ensure you get the best possible price.

What types of insurance does Vermont Mutual sell?

While car insurance is Vermont Mutual’s most popular product, this Northeastern company sells a variety of insurance products. From home insurance to commercial coverage, you can have most of your insurance needs met through Vermont Mutual.

Although the list of insurance products that Vermont Mutual offers is long, you can learn more about its most popular products below.

Enter your zip code below to see companies that have cheap insurance rates.

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Vermont Mutual Car Insurance

Vermont Mutual offers car insurance in Vermont, Massachusetts, New Hampshire and Maine. You can get state minimum insurance, as well as full coverage required by car lenders. These coverage options include:

  • Responsibility. If you cause an accident and cause damage to people or property, the liability insurance pays the bill.
  • Collision. Regardless of who is causing the accident, a collision insurance policy will help pay for repairs to your vehicle.
  • Extensive. This coverage takes care of your vehicle after damage caused outside accidents, such as weather, fire, theft, vandalism or contact with animals.
  • Uninsured / underinsured motorist. While most states require some form of insurance, not all drivers can cover the damage they cause. This coverage protects you from drivers without adequate liability protection.
  • Healthcare costs. Paying for injuries and physiotherapy after an accident is expensive. If you buy health care coverage, it will help you pay the health care bills for you and your passengers.

These are the basic coverage options offered by Vermont Mutual, but they may have supplements available for purchase. If you are interested in increasing the value of your insurance with additional coverage, you can talk to an insurance agent from Vermont Mutual.

How Much Does Vermont Mutual Car Insurance Cost?

Unfortunately, you need to talk to an insurance agent from Vermont Mutual before you can get a quote. However, you can get an idea of ​​how much the insurance will cost you by looking at the average insurance price in your state below and comparing it to the average price that Vermont Mutual’s customers pay.

Reporting Vermont Mutual average Vermont State Average
Pure record 89 USD 126 USD
Incorrect accident $ 137 $ 112
Speeding fine 108 USD $ 137

Customer reviews usually say that Vermont Mutual’s prices are competitive, so you can expect to pay around the average price for your state.

Vermont Mutual understands that its customers need to save money in every way they can. To help, it offers the following discounts:

  • Multibil. If your family has several vehicles, you can save money by adding them to the same policy instead of buying a separate plan for each.
  • Multi-policy. Vermont Mutual sells several insurance products. If you buy more than one, you may be entitled to this package discount.
  • Safety and security equipment. Devices or features that either help keep passengers safe or your car out of the hands of thieves will save money.

This is just a selection of the discounts Vermont Mutual offers. To learn more and see what you qualify for, you need to talk to an agent.

Vermont Mutual Homeowners Insurance

Although not as popular as its car insurance, Vermont Mutual offers quality protection for your home. Vermont Mutual provides home insurance in a larger area than it does car insurance. You can insure homes in Vermont, Connecticut, Maine, New Hampshire, Rhode Island, Massachusetts and parts of New York.

Vermont Mutual offers fairly basic home insurance coverage, including the following types of coverage:

  • Responsibility. This part of your insurance covers your legal bills if a guest is injured on your property and you are judged to be responsible for it.
  • Residence. Protecting the physical part of your home is an important part of its lifespan as a living space. This part of your coverage protects your home and free-standing structures such as fences and garages.
  • Personal property. Your home is more than just the surrounding walls. Personal property protection will repair or replace your appliances, furniture and even clothing.

While Vermont Mutual’s home insurance may not be comparable to the complexity of its larger competitors, it does offer some supplements that can increase the value of your insurance. These include:

  • Home system protection
  • Service line coverage
  • Special property coverage

You can also add broad recommendations that increase the overall value of your policy. These recommendations are Enhancement Amendment, Elite Endorsement and Advantage Endorsement. The recommendations add additional services to your policy, but you need to talk to an agent to learn more.

Other types of insurance by Vermont Mutual

Vermont Mutual wants to be a one-stop-shop for your insurance needs, and for this purpose it offers several types of insurance. These include:

  • Housing fire. No one wants to see their home burn down. Residential fire helps you to replace or repair property lost in fire.
  • Inland Navy. You can protect extra valuable personal belongings with extra coverage, including items such as art, expensive silver items and jewelry.
  • Personal umbrella. Liability insurance helps pay for your legal costs, but there are times when your coverage limits are not enough. The umbrella insurance takes effect when your liability ends.
  • Business owners. Vermont Mutual offers corporate insurance for the following industries: apartments, mercantile classes, craftsmen, contractors, hospitality and other service companies.
  • Commercial umbrella. Like personal umbrella insurance, commercial umbrellas help pay for unexpected expenses and can save your business from financial ruin.
  • Commercial inland navy. This coverage protects your special business property, including construction equipment, new construction and goods in transit.

As you can see, Vermont Mutual offers coverage for almost every need, especially for business owners. You can get more ideas and see exactly what Vermont Mutual can give you and your business by talking to an agent.

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Vermont Mutual Insurance Company Reviews

The true test of an insurance company can be found in the reviews. Fortunately for Vermont Mutual, reviews are generally positive.

One of the most important things to think about in an insurance company is its financial strength. Financially stable companies can easily pay their claims, so companies with high ratings from AM Best are considered safer to buy insurance from.

Vermont Mutual originally had an A, but AM Best recently upgraded it to an A +.

The Better Business Bureau (BBB) ​​gives Vermont Mutual an A +, and there are minimal complaints on its website. The complaints that exist have been resolved to the satisfaction of the customers.

When it comes to customer reviews, people tend to be happy with their coverage from Vermont Mutual. Satisfied customers say that the prices are extremely affordable and that online payment options are simple.

Many of the dissatisfied customers’ complaints are more about the insurance industry itself than about Vermont Mutual. The price of your insurance usually increases after you make a claim. Many of Vermont Mutual’s complaints revolve around the unfortunate truth.

While it does not affect the quality of your insurance, customers also love that Vermont Mutual is involved in charity work in their communities. The Vermont Mutual Charitable Giving Fund works with local organizations to improve areas such as youth needs, community service, education, and security needs.

Find the best coverage for your insurance needs

There are many areas of life that insurance can help protect, and Vermont Mutual covers many of them. From car, home, umbrella, business and many other types of insurance, Vermont Mutual promises complete coverage for all your needs.

Before signing up for a Vermont Mutual insurance policy, you should compare quotes from other companies so that you can get the best possible price.


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