Hersey Insurance Services
105 Center St, Rutland, VT 05701
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105 Center St, Rutland, VT 05701
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63 Wales St, Rutland, VT 05701
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128 Merchants Row, Suite 202, Rutland, VT 05701
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144B Woodstock Ave, Rutland, VT 05701
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Learn about insurance coverage options specific to Rutland residents.
Rutland insurance guide covering auto, home, and flood coverage. Get rates, requirements, and local agent insights for central Vermont residents.
Car InsuranceComplete guide to Rutland, VT auto insurance. Learn about Vermont's 25/50/10 requirements, at-fault system, and why rates are among the nation's lowest.
Vermont requires 25/50/10 liability coverage ($25,000 per person for injuries, $50,000 per accident, $10,000 for property damage) plus uninsured motorist coverage of 50/100/10. These minimums are quite low and may not cover expenses from a serious accident, so many Vermont drivers choose higher limits to protect their assets.
Home insurance in Rutland averages $1,137 annually for a $300,000 home with a $500 deductible, which is very close to the Vermont state average. Higher-value homes around $600,000 typically pay about $2,330 per year. Your actual rate depends on your home's age, construction, updates to electrical and plumbing systems, and your chosen deductible.
Yes, flood insurance is strongly recommended in Rutland. The city experiences localized flooding from heavy rainfall, and flooding is Vermont's most prominent natural hazard. Standard homeowners insurance doesn't cover flood damage, so you'll need a separate policy through the National Flood Insurance Program. Even if you're not in a designated flood zone, significant flood damage in Vermont happens outside mapped areas.
Rutland's lower population density, reduced traffic congestion, and fewer accident claims compared to urban areas keep rates low. Minimum coverage starts around $15 per month, making it one of Vermont's most affordable cities for auto insurance. However, low premiums shouldn't tempt you to carry inadequate coverage—Vermont's minimum requirements are quite low for serious accidents.
Bundling your auto and home insurance typically saves 10-20% on both policies. Increasing your deductible from $500 to $2,000 can reduce home insurance costs by nearly 18%. Shop around every few years, maintain good credit, and ask about discounts for security systems, updated roofs, or modern electrical and plumbing systems.
Working with one of Rutland's local agents offers real advantages. They understand area-specific risks like ice dams, urban flooding, and historic home considerations. When you need to file a claim, a local agent can advocate for you and guide you through the process. They'll also review your coverage periodically to ensure you're properly protected without overpaying.
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