Gavop's guide to buying homeowners insurance in Middlebury, 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 | $58,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $191,500 | $160,000 | $200,000-$250,000 |
| 3 Bedroom | $192,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $266,000 | $250,000 | $200,000-$250,000 |
| 5 Bedroom | $365,000 | $330,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$103 | $586 |
| Superior Protection Discount | -$62 | $628 |
| Fire & Security Discount | -$76 | $614 |
| Hail Resistant Roof Discount | -$14 | $676 |
| Newly Constructed Home Discount | -$145 | $545 |
| 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 |
| Addison County | $2,000 | $773 | $2,773 | $562 | $2,562 | $211 |
| Middlebury, VT | $2,500 | $681 | $3,181 | $495 | $2,995 | $186 |
| Essex, NY | $100 | $693 | $793 | $503 | $603 | $189 |
| Brookfield, VT | $2,000 | $770 | $2,770 | $559 | $2,559 | $210 |
| Washington County, VT | $500 | $746 | $1,246 | $542 | $1,042 | $204 |
| Hampton, NY | $2,500 | $610 | $3,110 | $443 | $2,943 | $167 |
| Orange County, VT | $400 | $672 | $1,072 | $488 | $888 | $184 |
| Windsor County, VT | $2,500 | $745 | $3,245 | $541 | $3,041 | $203 |
| Worcester, VT | $500 | $753 | $1,253 | $547 | $1,047 | $206 |
| Woodstock, VT | $2,500 | $1,009 | $3,509 | $733 | $3,233 | $276 |
| Ludlow, VT | $300 | $787 | $1,087 | $572 | $872 | $215 |
| Johnson, VT | $1,500 | $693 | $2,193 | $503 | $2,003 | $189 |
| Home Insurance Company Middlebury, VT | Homeowners Insurance Agency Middlebury, VT | Address | Popularity Score | Distance from Middlebury (miles) |
|---|---|---|---|---|
| Allstate | The Citro Agency | 20 Kimball Ave Ste 307, South Burlington, VT, 5403 | 31.7 | |
| State Farm | Jim Soriano | 211 Maple St Ste 27c, Middlebury, VT, 05753-1147 | 2.7 | |
| Liberty Mutual Independent | Kinney Pike Insurance | 199 Main St, Poultney, VT, 5764 | 34.0 | |
| Liberty Mutual Independent | Kinney Pike Insurance Inc | 42 Meadow Ln, Randolph, VT, 5060 | 23.7 | |
| Liberty Mutual Independent | Mccrillis & Eldredge Ins Inc | 2 Park St, Brandon, VT, 5733 | 14.2 | |
| Allstate | Poulos Ins Inc | 1 Franklin St, Brandon, VT, 5733 | 14.2 | |
| Liberty Mutual Independent | Holden Financial Services Inc | 94 Court St, Middlebury, VT, 5753 | 2.1 | |
| Liberty Mutual Independent | Holden Financial Services Inc | 94 Court St, Middlebury, VT, 5753 | 2.1 | |
| Liberty Mutual Independent | Holden Financial Services Inc | 94 Court St, Middlebury, VT, 5753 | 2.1 | |
| Travelers | Turnbaugh Insurance Agency Inc | 110 Main St 3rd Fl, Burlington, VT, 5401 | 33.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Vermont | $220,600 | $783 | $540 | $1,100 | $560 |
| Addison County, VT | $237,000 | $783 | $540 | $1,120 | $580 |
| Middlebury, VT | $247,100 | $690 | $500 | $940 | $440 |
| Essex, NY | $176,300 | $701 | $480 | $960 | $480 |
| Brookfield, VT | $217,600 | $779 | $560 | $1,080 | $520 |
| Washington County, VT | $217,200 | $755 | $510 | $1,030 | $520 |
| Hampton, NY | $132,800 | $617 | $440 | $850 | $410 |
| Orange County, VT | $188,300 | $680 | $460 | $940 | $480 |
| Windsor County, VT | $216,300 | $754 | $550 | $1,060 | $510 |
| Worcester, VT | $206,800 | $762 | $520 | $1,070 | $550 |
| Woodstock, VT | $358,900 | $1,021 | $740 | $1,440 | $700 |
| Ludlow, VT | $230,200 | $797 | $540 | $1,120 | $580 |
| Johnson, VT | $171,800 | $701 | $500 | $1,000 | $500 |