Vermont Mutual Insurance Reviews: Is It the Right Provider for You?

Vermont Mutual Insurance has a long history dating back to 1828. But how good is this regional insurance provider really? In this review, we’ll examine Vermont Mutual’s products, customer service, ratings, pricing, and reviews to see if they’re a smart choice for insurance.

Overview of Vermont Mutual Insurance

Vermont Mutual Insurance was founded in 1828 in Montpelier, Vermont. Here are some key facts about the company:

• Offers auto, homeowners, business, and specialty insurance
• Operates in Vermont, New Hampshire, Maine, Massachusetts, and New York
• Has an A+ rating and accreditation from the Better Business Bureau (BBB)
• Given an A+ Superior financial strength rating from AM Best

As one of the oldest insurance companies in the U.S., Vermont Mutual has over 190 years of experience. They focus on providing personalized service through local agents.

Vermont Mutual Insurance Products

Vermont Mutual Insurance offers all the major insurance products individuals and families need:

Auto Insurance

• Bodily injury and property damage liability
• Collision and comprehensive
• Uninsured/underinsured motorist
• Medical payments
• Personal injury protection

Home Insurance

• Dwelling and personal property
• Liability
• Loss of use
• Additional living expenses

Business Insurance

• General liability
• Property
• Commercial auto
• Professional liability
• Workers’ compensation

Specialty Insurance

• Classic cars
• Snowmobiles
• Boats
• RVs
• Valuable collections

Vermont Mutual agents can help you find the right policies and coverage amounts to properly protect your assets and finances.

Vermont Mutual Insurance Customer Reviews

We examined customer reviews on ConsumerAffairs and other sites to get feedback on people’s experiences with Vermont Mutual Insurance:

• Fast and easy quote process: Many note getting a quote was simple and agents provided affordable policy options.

• Smooth claims handling: Customers who filed claims said Vermont Mutual made the claims process fast and paid out fairly.

• Good customer service: Numerous reviews mention friendly, knowledgeable support from Vermont Mutual agents.

• Competitive pricing: Many customers highlight that Vermont Mutual offered lower rates than other companies they checked.

• Areas to improve: Some reviews cite poor communication, delays getting claims approved, and frequent renewal rate hikes.

Vermont Mutual earns positive feedback overall for customer service and claims handling. But there are some common complaints to be aware of.

Cost of Vermont Mutual Insurance Policies

As a regional insurer, Vermont Mutual Insurance pricing is very competitive:

• Auto insurance: Average annual premiums range from $500 to $2,000 based on age, location, driving history, and other factors.

• Home insurance: Typical yearly costs are $800 to $2,500 depending on home details, location, and more.

• Renters insurance: Average monthly premiums range from $15 to $30.

Vermont Mutual offers various discounts that can potentially lower your rates:

• Multi-policy discounts for bundling
• Good driver discount
• Mature driver discount
• Safety feature discounts
• Alarm system discounts

Make sure to compare quotes from a few insurers to find your best rate.

Vermont Mutual Insurance Ratings

Vermont Mutual Insurance scores well on financial strength and customer service ratings:

• A+ Superior rating from AM Best for financial stability
• A+ rating and accreditation from the Better Business Bureau
• Average of 1.5 out of 5 stars from WalletHub reviews
• Average of 2.7 out of 5 stars from ConsumerAffairs reviews

The positive financial ratings indicate consumers can trust Vermont Mutual to pay out claims. Customer service ratings are more mixed.

The Pros and Cons of Vermont Mutual Insurance

Based on our research of their products, pricing, ratings, and reviews, here are the main advantages and disadvantages of choosing Vermont Mutual Insurance:

Pros

• Specialized in their 5 state coverage area
• Competitive pricing on policies
• Strong financial strength ratings

Cons

• Mixed reviews for customer service
• Complaints about claims delays
• Rate hikes at renewal time

For homeowners and drivers in their northeast region, Vermont Mutual provides quality insurance options tailored to local needs. But make sure to compare quotes from competitors.

Is Vermont Mutual Insurance the Right Provider for You?

When deciding if Vermont Mutual Insurance fits your needs, consider:

• Your location – They only operate in VT, NH, ME, MA, and NY.

• Your insurance needs – Do they offer all the policies you want?

• Cost – Get quotes to compare pricing.

• Customer service – Research reviews on their support and claims handling.

• Financial ratings – They have strong financial stability.

For residents of the northeastern states Vermont Mutual serves, they provide localized insurance products combined with competitive pricing. Compare quotes from a few insurers if considering their policies.

The Bottom Line: Is Vermont Mutual a Good Choice?

With a long track record going back to 1828, Vermont Mutual Insurance has deep roots serving communities across Vermont and surrounding states. They earn positive financial strength ratings indicating stability.

Reviews are mixed on Vermont Mutual’s customer service and claims handling. While many customers have good experiences, some cite issues like poor communication and delays getting claims approved. There are positives and negatives, as with most insurance companies.

For homeowners, drivers, and businesses in their Northeast region, Vermont Mutual Insurance offers quality insurance options combined with competitive pricing. Make sure to compare their quotes against options from competitors like Travelers, Liberty Mutual, and State Farm. But Vermont Mutual’s specialized local experience may make them the right fit for many regional households and businesses looking for coverage.