Fire Insurance Quotes

 

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Vermont Fire Insurance Quotes

The North East can offer harsh winters and humid summers which bring on storms that can cause big damage to your home in Vermont. Vermont fire insurance offers protection against the elements and can get your life back to where you were before the loss. Having the proper coverage in place is key so that is what we can help you with. Finding affordable home fire insurance in VT is made easier using our free quote tool.

Vermont homeowner's can simply fill out a secure form and start to receive multiple quotes from insurance agents in minutes. Each quote will be a little different in how they display the coverage and some limits may be different as well. It is hard to compare apples to apples when looking at insurance policies because each company has different packages they offer. Ask the insurance agent questions if you are unsure about a specific coverage or if you would like to see how a change in deductible could lower the premium.

How do you save money on your fire insurance policy?

Affordable fire insurance in Vermont is available if you meet certain requirements. Here are the top five ways to have the lowest premium possible:

  1. Good credit - Having good credit history will likely save you hundreds on your fire insurance premium.
  2. No claims history - If you have made a claim or more in the past 3 years insurance companies will either not want you or charge a lot if you want their policy.
  3. Don't live next to trees - If your house is in the hills with all the timber it will cost as much as 4 times a house that is in the city. You pay for the extra hazard potential living in a wooded area.
  4. Building materials - The type of building materials used on your home can influence the premium by 20-40%. Find a home that is built with fire resistant material like brick and has a little to no wood siding.
  5. Location, location, location - Real estate is all about the "where" so when looking to buy a home understand that the insurance is greatly determined by the zip code. If there is high crime or if the area is prone to natural disasters like earthquakes the home fire insurance will cost much more.

Dwelling Fire Insurance vs. Rental Property Insurance

If you own a rental property in Vermont and are wondering if there is a difference between dwelling fire insurance and rental insurance there is not. Rental property insurance offers protection for the landlord that dwelling fire insurance cannot. This protection comes in the form of liability coverage and property coverage for items owned by the landlord.

It is important to have the right policy in Vermont because many of the homes are valued so high that any lawsuit could be devastating. Whether your tenant is injured on the property or the tenant injures someone or something else there is coverage for this. Be sure to get the right type of insurance for your home whether you rent or not.

Home Fire Insurance by City

  • Burlington
  • South Burlington
  • Rutland
  • Montpelier

More cities are included but these are the largest in Vermont.

 

 

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We offer fire insurance quotes in all 50 states. By partnering with leading insurance companies and agents we are able to find you the best policy at the lowest premium.