Gavop shows you how to buy homeowners insurance in Essex, VT by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $96,500 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $149,500 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $269,000 | $230,000 | $300,000-$350,000 |
| 4 Bedroom | $299,500 | $250,000 | $300,000-$350,000 |
| 5 Bedroom | $446,000 | $410,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $617 |
| Superior Protection Discount | -$73 | $661 |
| Fire & Security Discount | -$81 | $653 |
| Hail Resistant Roof Discount | -$22 | $712 |
| Newly Constructed Home Discount | -$147 | $587 |
| 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 |
| Chittenden County | $1,500 | $832 | $2,332 | $605 | $2,105 | $227 |
| Essex, VT | $2,500 | $725 | $3,225 | $527 | $3,027 | $198 |
| South Burlington, VT | $100 | $722 | $822 | $525 | $625 | $197 |
| Bolton, VT | $2,000 | $735 | $2,735 | $534 | $2,534 | $201 |
| Ferrisburgh, VT | $500 | $831 | $1,331 | $604 | $1,104 | $227 |
| Lewis, NY | $1,000 | $591 | $1,591 | $429 | $1,429 | $161 |
| Chazy, NY | $400 | $605 | $1,005 | $439 | $839 | $165 |
| Port Henry, NY | $2,500 | $583 | $3,083 | $424 | $2,924 | $159 |
| Greensboro, VT | $400 | $827 | $1,227 | $601 | $1,001 | $226 |
| Bridport, VT | $1,000 | $799 | $1,799 | $581 | $1,581 | $218 |
| Orleans County, VT | $100 | $624 | $724 | $453 | $553 | $170 |
| Danville, VT | $1,000 | $756 | $1,756 | $549 | $1,549 | $207 |
| Home Insurance Company Essex, VT | Homeowners Insurance Agency Essex, VT | Address | Popularity Score | Distance from Essex (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Crowley Insurance Agency | 100 N Willard St, Burlington, VT, 5401 | 7.3 | |
| Allstate | Donna Booher | 4001 Williston Rd, South Burlington, VT, 5403 | 5.9 | |
| State Farm | Kent Booraem | 85 Prim Rd Ste 201, Colchester, VT, 05446-1389 | 8.3 | |
| Allstate | The Citro Agency | 20 Kimball Ave Ste 307, South Burlington, VT, 5403 | 6.2 | |
| Nationwide | Jaimes L. Fewer | 3 Maple Ave, Barre, VT, 05641-3420 | 35.8 | |
| Allstate | Renee Cross | 1174 North Ave, Burlington, VT, 5408 | 8.8 | |
| Allstate | David R Lagerstedt | 11 Pearl St Ste 101, Essex Junction, VT, 5452 | 3.3 | |
| State Farm | Sudha Parikh | 875 Roosevelt Highway, Colchester, VT, 05446-5927 | 5.5 | |
| State Farm | Joe Collins | 200 S Main St, Barre, VT, 05641-4811 | 36.9 | |
| State Farm | Jim Nassar | 25 Bishop Ave Ste 4, Williston, VT, 05495-7870 | 6.0 |
| 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 |
| Chittenden County, VT | $280,000 | $842 | $580 | $1,160 | $580 |
| Essex, VT | $283,500 | $734 | $530 | $1,050 | $520 |
| South Burlington, VT | $280,800 | $731 | $520 | $1,010 | $490 |
| Bolton, VT | $195,700 | $744 | $530 | $1,030 | $500 |
| Ferrisburgh, VT | $261,200 | $841 | $600 | $1,160 | $560 |
| Lewis, NY | $113,500 | $598 | $410 | $820 | $410 |
| Chazy, NY | $128,300 | $612 | $410 | $840 | $430 |
| Port Henry, NY | $94,700 | $590 | $410 | $820 | $410 |
| Greensboro, VT | $258,000 | $837 | $590 | $1,160 | $570 |
| Bridport, VT | $238,200 | $809 | $560 | $1,150 | $590 |
| Orleans County, VT | $161,100 | $631 | $450 | $870 | $420 |
| Danville, VT | $208,700 | $765 | $530 | $1,050 | $520 |