Gavop's guide to buying homeowners insurance in Orleans County, VT covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Orleans County, VT - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Cutting Rd, White Hill Loop, Rush Rd, Armstrong Rd, Crescent Beach Rd, Whittier Rd, River Rd, Bartlett Farm Rd, Pleasant St, Kartner Rd | $123,000 | $110,000 | $100,000-$125,000 | $122,000 | $100,000 | $100,000-$125,000 |
| Clark Rd, Newton Rd, Dexter Mountain Rd, T-29, Birch View Dr, Burton Hill Rd, Lynwood Dr, 1st Ave, Graham Hill Rd, Carmel Rd | $253,500 | $220,000 | $200,000-$250,000 | $132,000 | $120,000 | $100,000-$125,000 |
| Burton Hill Rd, Heermanville Rd, Campbell Rd, Highlander St, E Main St, Kingdom Rd, Niles Rd, T-3, Veilleux Rd, Campbell Rd | $177,500 | $160,000 | $150,000-$175,000 | $113,500 | $100,000 | $100,000-$125,000 |
| Lauredon Ave, Pearl St, Line Farm Rd, Town Line Rd, Davis Ln, Beauchesne St, Buck Rd, Danforth Rd, Evergreen Ln, N Craftsbury Rd | $171,000 | $150,000 | $200,000-$250,000 | $117,500 | $110,000 | $100,000-$125,000 |
| Winter St, Noyes Rd, Chase Rd, Bates Hill Rd, Great Northern Rd, E Town Farm Rd, Point Dr, Roberts Dr, Sanville Rd, Woodland Dr | $125,000 | $100,000 | $100,000-$125,000 | $116,000 | $100,000 | $100,000-$125,000 |
| T-25, N Beach Rd, T-45, Delano Rd, Canvas Back Ln, Peaceful Ridge, Ridge Hill Dr, Paradise Ln, Barre Blvd, Chaput Farm Rd | $169,500 | $150,000 | $150,000-$175,000 | $126,500 | $110,000 | $125,000-$150,000 |
| Church Hill Rd, Horace Way Rd, N Pleasant St, Tonis Rd, Dry Pond Rd, Pine St, Lane Rd, Calhoun Rd, Higgins Ln, Guay Farm Rd | $127,000 | $110,000 | $100,000-$125,000 | $133,500 | $120,000 | $125,000-$150,000 |
| North Ave, Perron Hill Rd, Crawford Hill Rd, Sunrise Dr, Gay Hill Rd, Hideaway Dr, Jules Dr, Upper Quarry Rd, Hinman Settler Rd, Willey Rd | $185,500 | $150,000 | $150,000-$175,000 | $130,500 | $120,000 | $125,000-$150,000 |
| Willis Rd, Town Hwy 23, Can-Am Dr, Gosselin Dr, Reservoir Rd, Bickford Ln, Sugarbush Rd, Town Hwy 49, Zoe Ln, High St | $119,000 | $100,000 | $100,000-$125,000 | $109,500 | $100,000 | $100,000-$125,000 |
| Sunrise Dr, Richardson Rd, Woodlawn Ave, Community Farm Rd, King Farm Rd, Caswell Ave, Raymond Ter, Andrew St, Town Hwy 1, Glover St | $110,500 | $100,000 | $100,000-$125,000 | $139,500 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$95 | $537 |
| Superior Protection Discount | -$63 | $568 |
| Fire & Security Discount | -$44 | $587 |
| Hail Resistant Roof Discount | -$19 | $613 |
| Newly Constructed Home Discount | -$145 | $486 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Orleans County | $700 | $624 | $1,324 | $453 | $1,153 | $170 |
| Orleans County, VT | $700 | $624 | $1,324 | $453 | $1,153 | $170 |
| St. Johnsbury, VT | $100 | $620 | $720 | $451 | $551 | $169 |
| Franklin, VT | $1,000 | $743 | $1,743 | $540 | $1,540 | $203 |
| Barnet, VT | $400 | $713 | $1,113 | $518 | $918 | $195 |
| Bolton, VT | $1,500 | $735 | $2,235 | $534 | $2,034 | $201 |
| Swanton, VT | $100 | $633 | $733 | $460 | $560 | $173 |
| Duxbury, VT | $2,000 | $831 | $2,831 | $604 | $2,604 | $227 |
| Wells River, VT | $100 | $652 | $752 | $474 | $574 | $178 |
| Home Insurance Company Orleans County, VT | Homeowners Insurance Agency Orleans County, VT | Address | Popularity Score | Distance from Orleans County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Taylor - Moore Agency | 346 Main St, Derby, VT, 5829 | 10.2 | |
| Liberty Mutual Independent | Taylor - Moore Agency | Po Box 10, Derby, VT, 5829 | 11.9 | |
| Allstate | David Raleigh | 2 Champlain Commons Ste 5, Saint Albans, VT, 5478 | 41.1 | |
| Travelers | Royer-Camp Insurance Inc | 573 East Main St, Newport, VT, 5855 | 8.5 | |
| Nationwide | Peter Campbell Agency | 5498 U S Rte 5, Newport, VT, 05855-9483 | 9.0 | |
| Travelers | Barsalow Insurance Agency | 546 Rte 7 S, Milton, VT, 5468 | 46.3 | |
| Liberty Mutual Independent | Berg Carmolli & Kent Inc | 83 Washington St, Barre, VT, 5641 | 45.4 | |
| Allstate | Poulos Insurance | 21 Water St, Orleans, VT, 5860 | 2.8 | |
| Allstate | David R Lagerstedt | 11 Pearl St Ste 101, Essex Junction, VT, 5452 | 48.4 | |
| State Farm | Jim Nassar | 25 Bishop Ave Ste 4, Williston, VT, 05495-7870 | 49.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Vermont | $220,600 | $783 | $530 | $1,090 | $560 |
| Orleans County, VT | $161,100 | $631 | $460 | $900 | $440 |
| Orleans County, VT | $161,100 | $631 | $430 | $880 | $450 |
| St. Johnsbury, VT | $159,400 | $628 | $430 | $860 | $430 |
| Franklin, VT | $200,300 | $752 | $500 | $1,040 | $540 |
| Barnet, VT | $183,000 | $722 | $500 | $1,000 | $500 |
| Bolton, VT | $195,700 | $744 | $510 | $1,030 | $520 |
| Swanton, VT | $207,600 | $641 | $470 | $910 | $440 |
| Duxbury, VT | $261,000 | $841 | $610 | $1,150 | $540 |
| Wells River, VT | $152,500 | $660 | $470 | $910 | $440 |