Vermont Mutual Insurance Review

Founded in 1828, Vermont Mutual is one of America’s oldest insurance providers. The Vermont Mutual Fire Insurance Company has since evolved into a quality home and car insurance provider in several northeastern states.

As a mutual company, policyholders own Vermont Mutual. That means Vermont Mutual will work hard to protect all of its policyholders.

If you’re interested in Vermont Mutual insurance, you can learn more about this staple in American insurance below. Then, compare quotes with other companies to ensure you get the best price possible.

What types of insurance does Vermont Mutual sell?

While car insurance is Vermont Mutual’s most popular product, this northeastern company sells a variety of insurance products. From home insurance to commercial coverage, you can get most of your insurance needs met through Vermont Mutual.

While the list of insurance products Vermont Mutual offers is long, you can learn more about its most popular products below.

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Vermont Mutual Car Insurance

Vermont Mutual offers car insurance in Vermont, Massachusetts, New Hampshire, and Maine. You can get state minimum insurance, as well as full coverage required by car loan lenders. These coverage options include:

• Liability. If you cause an accident and cause damage to people or property, liability insurance will pay the bill.
• Collision. No matter who causes the accident, collision insurance will help pay for repairs to your vehicle.
• Comprehensive. This coverage takes care of your vehicle after damage caused outside of accidents, such as weather, fire, theft, vandalism, or animal contact.
• Uninsured/underinsured motorist. While most states require some form of insurance, not all drivers can cover the damage they cause. This coverage protects you from drivers without enough liability coverage.
• Medical expenses. Paying for injuries and physical therapy after an accident is expensive. If you buy medical expense coverage, it will help pay for the medical bills of you and your passengers.

These are the basic coverage options offered by Vermont Mutual, but they might have add-ons available for purchase. If you’re interested in adding to the value of your policy with additional coverage, you can speak with a Vermont Mutual insurance agent.

How much does Vermont Mutual car insurance cost?

Unfortunately, you’ll need to speak with a Vermont Mutual insurance agent before you can get a quote. However, you can get an idea of how much insurance will cost you by looking at the average price of coverage in your state below and comparing it with the average price Vermont Mutual customers pay.

Customer reviews tend to say that Vermont Mutual prices are competitive, so you can expect to pay around the average price for your state.

Vermont Mutual understands that its customers need to save money any way they can. To help, it offers the following discounts:

• Multi-car. If your family has multiple vehicles, you can save money by adding them to the same policy rather than purchasing a separate plan for each.
• Multi-policy. Vermont Mutual sells several insurance products. If you purchase more than one, you might be eligible for this bundling discount.
• Security and safety equipment. Devices or features that either help keep passengers safe or your car out of the hands of thieves will save you money.

This is just a sample of the discounts Vermont Mutual offers. To learn more and see what you qualify for, you’ll need to speak with an agent.

Vermont Mutual Homeowners Insurance

While not quite as popular as its car insurance, Vermont Mutual offers quality coverage for your home. Vermont Mutual provides home insurance in a wider area than it does car insurance. You can insure homes in Vermont, Connecticut, Maine, New Hampshire, Rhode Island, Massachusetts, and parts of New York.

Vermont Mutual offers fairly basic coverage for home insurance, including the following types of coverage:

• Liability. This portion of your insurance covers your legal bills if a guest is injured on your property and you’re ruled responsible for it.
• Dwelling. Protecting the physical part of your home is integral to its longevity as a living space. This portion of your coverage protects your home and freestanding structures like fences and garages.
• Personal property. Your home is more than the surrounding walls. Personal property coverage will repair or replace your appliances, furniture, and even clothing.

While Vermont Mutual’s home insurance might not compare to the complexities of its larger competitors, it does offer a few add-ons that can increase the value of your policy. These include:

• Home systems protection
• Service line coverage
• Specialty property coverage

You can also add broad endorsements that increase the overall value of your policy. These endorsements are the Enhancement Amendment, Elite Endorsement, and Advantage Endorsement. The endorsements add additional services to your policy, but you’ll need to speak with an agent to learn more.

Other Types of Insurance by Vermont Mutual

Vermont Mutual wants to be a one-stop shop for your insurance needs, and to that end, it offers several types of insurance. These include:

• Dwelling fire. No one wants to watch their home burn down. Dwelling fire helps you replace or repair property lost to fire.
• Inland marine. You can protect extra valuable personal belongings with additional coverage, including items like fine art, expensive silverware, and jewelry.
• Personal umbrella. Liability insurance helps pay for your legal fees, but there are times when your coverage limits won’t be enough. Umbrella insurance kicks in when your liability runs out.
• Business owners. Vermont Mutual offers business insurance for the following industries: apartments, mercantile classes, artisans, contractors, hospitality, and other service companies.
• Commercial umbrella. Similar to personal umbrella insurance, commercial umbrella helps pay for unexpected expenses and can save your business from financial ruin.
• Commercial inland marine. This coverage protects your special business property, including contractor equipment, new construction, and goods in transit.

As you can see, Vermont Mutual offers coverage for just about any need, especially for business owners. You can get more ideas and see exactly what Vermont Mutual can provide you and your business by speaking with an agent.

Read more: Understanding Umbrella Insurance: What It Is and What It Covers

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Vermont Mutual Insurance Company Reviews

The true test of an insurance company is in the reviews. Luckily for Vermont Mutual, reviews are generally positive.

One of the most important things to consider an insurance company is its financial strength. Financially stable companies can easily pay their claims, so companies with high ratings from A.M. Best are considered safer to buy insurance from.

Vermont Mutual originally had an A, but A.M. Best recently upgraded it to an A+.

The Better Business Bureau (BBB) gives Vermont Mutual an A+, and there are minimal complaints on its site. The complaints that are there have been resolved to the customers’ satisfaction.

As for customer reviews, people tend to be happy with their coverage from Vermont Mutual. Happy customers say that the rates are extremely affordable and that online payment options are easy.

Many of the unsatisfied customers’ complaints are more about the insurance industry itself rather than Vermont Mutual. The price of your insurance usually increases after you make a claim. Many of Vermont Mutual’s complaints revolve around that unfortunate truth.

Although it doesn’t affect the quality of your insurance, customers also love that Vermont Mutual is involved in charity work in their communities. The Vermont Mutual Charitable Giving Fund works with local organizations to improve areas like youth needs, community services, education, and safety needs.

Find the Best Coverage for Your Insurance Needs

There are many areas of life that insurance can help protect, and Vermont Mutual covers many of them. From car, home, umbrella, business, and many other types of insurance, Vermont Mutual promises complete coverage for all your needs.

Before you sign up for a Vermont Mutual insurance policy, you should compare quotes from other companies so you can get the best price possible.

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