Gavop's guide to buying homeowners insurance in Caledonia 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $61,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $168,500 | $140,000 | $175,000-$200,000 |
| 3 Bedroom | $235,500 | $200,000 | $200,000-$250,000 |
| 4 Bedroom | $331,500 | $310,000 | $350,000-$400,000 |
| 5 Bedroom | $365,500 | $290,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $566 |
| Superior Protection Discount | -$67 | $599 |
| Fire & Security Discount | -$53 | $612 |
| Hail Resistant Roof Discount | -$13 | $652 |
| Newly Constructed Home Discount | -$180 | $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 |
| Caledonia County | $700 | $657 | $1,357 | $478 | $1,178 | $180 |
| Caledonia County, VT | $2,000 | $657 | $2,657 | $478 | $2,478 | $180 |
| Barton, VT | $500 | $578 | $1,078 | $420 | $920 | $158 |
| Derby Line, VT | $700 | $634 | $1,334 | $461 | $1,161 | $173 |
| Underhill, VT | $400 | $932 | $1,332 | $677 | $1,077 | $255 |
| Chittenden County, VT | $500 | $832 | $1,332 | $605 | $1,105 | $227 |
| Beecher Falls, VT | $700 | $541 | $1,241 | $393 | $1,093 | $148 |
| Home Insurance Company Caledonia County, VT | Homeowners Insurance Agency Caledonia County, VT | Address | Popularity Score | Distance from Caledonia County (miles) |
|---|---|---|---|---|
| Travelers | Royer-Camp Insurance Inc | 573 East Main St, Newport, VT, 5855 | 33.0 | |
| Allstate | Swenson Insurance Agency | 135 Main St Po Box 391, Bradford, VT, 5033 | 32.8 | |
| Travelers | Berg Carmolli And Kent Inc | 83 Washington St, Barre, VT, 5641 | 26.9 | |
| Allstate | David R Lagerstedt | 11 Pearl St Ste 101, Essex Junction, VT, 5452 | 49.5 | |
| Allstate | Morse Insurance | Po Box 557, Hardwick, VT, 5843 | 12.8 | |
| Travelers | Associated Ins Agencies Inc | 374 Main St, Newport, VT, 5855 | 32.5 | |
| Allstate | Walter Hausermann | 18a Maple St, Essex Junction, VT, 5452 | 49.3 | |
| Liberty Mutual Independent | Kinney Pike Insurance Agency | 970 Memorial Dr, St Johnsbury, VT, 5819 | 5.0 | |
| Allstate | Poulos Ins Inc | 78 Vt Route 15 W, Morrisville, VT, 5661 | 24.9 | |
| Travelers | Farm Country Insurance Inc | 1951 Memorial Dr, St Johnsbury Center, VT, 5819 | 4.8 |
| 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 |
| Caledonia County, VT | $164,500 | $665 | $470 | $940 | $470 |
| Caledonia County, VT | $164,500 | $665 | $480 | $920 | $440 |
| Barton, VT | $123,700 | $585 | $430 | $820 | $390 |
| Derby Line, VT | $145,100 | $642 | $440 | $890 | $450 |
| Underhill, VT | $323,800 | $943 | $670 | $1,330 | $660 |
| Chittenden County, VT | $280,000 | $842 | $610 | $1,170 | $560 |
| Beecher Falls, VT | $111,700 | $548 | $380 | $750 | $370 |