Business Details
Your Trusted Insurance Partner in Vermont & New Hampshire
We are a member-owned insurance cooperative dedicated to providing comprehensive coverage and personalized service to our policyholders. Our offerings include home, farm, commercial, and personal auto insurance, tailored to meet the diverse needs of our members. With a strong commitment to safety and loss prevention, we focus on proactive measures to protect our members' assets and reduce claim risks. Our experienced team, many of whom previously worked in claims, understands the impact of losses and strives to help members avoid them entirely. Through partnerships like the Ting device program, we deliver innovative solutions that add value to our members' policies. We operate with a common-sense approach, offering safety surveys and recommendations that balance practicality with cost-effectiveness.Our local presence in Vermont and New Hampshire allows us to build meaningful relationships with policyholders, agents, and the communities we serve. We pride ourselves on transparency, responsiveness, and a customer-centric philosophy that prioritizes long-term trust over short-term gains. Our history of community contributions, including investments in solar energy and support for local organizations like the Make-A-Wish Foundation, reflects our dedication to making a positive impact beyond insurance. While maintaining financial stability, we remain focused on delivering competitive pricing, exceptional service, and continuous improvements to meet the evolving needs of our members.
Services
Business Insurance
Commercial Auto
Farm Insurance
Home Insurance
Mobile Home Insurance
Personal Auto
Umbrella Insurance
Dwelling Property
Mini-Farm Insurance
Other Insurance Lines
Highlights and features
- We offer member-owned insurance with personalized policy options and local expertise.
- Our loss prevention program provides safety surveys and practical risk reduction strategies.
- We operate exclusively in Vermont and New Hampshire to better serve our local communities.
- We provide innovative solutions like the free Ting electrical fire prevention device.
- Our experienced staff includes former claims representatives who understand customer needs.
What people say
Very professional
Enjoyed working with her
Services
Home Insurance
Our homeowners insurance policies protect primary residences and secondary properties against damage and liability. Coverage includes replacement cost for mobile homes under 25 years and customizable options for high-value homes. We also provide safety resources to help prevent claims through our loss prevention program.
Farm Insurance
Comprehensive farm insurance covering diverse operations including dairy, horse, poultry, and specialty livestock operations. Policies protect farm buildings, equipment, and crops while offering safety inspections to identify risks. Mini-farm options provide scaled protection for smaller agricultural operations.
Commercial Insurance
Business insurance solutions covering liability, commercial vehicles, and property protection. Includes umbrella policies for additional coverage beyond primary limits. Safety surveys help identify workplace hazards to reduce claims frequency while maintaining code-compliant operations.
Auto Insurance
Personal and commercial auto policies protecting vehicles against collision, liability, and comprehensive damages. Provides roadside assistance and glass replacement services. Recognized as Best Value Auto Insurance by ValChoice in Vermont and New Hampshire for competitive pricing and coverage.
Loss Prevention
Proactive safety surveys for homes, farms, and businesses to identify electrical, fire, and structural hazards. Includes recommendations during inspections to mitigate risks while building relationships with policyholders. Uses modern technology to minimize disruption during surveys and provide actionable safety guidance.
Questions
What types of insurance does Co-Operative Insurance offer?
We offer home, farm, commercial, personal auto, mobile home, and umbrella insurance policies tailored to Vermont and New Hampshire residents and businesses.
Which states are served by Co-Operative Insurance?
We currently provide insurance coverage only in Vermont and New Hampshire.
How does the Ting electrical fire prevention program work?
Eligible members receive a free Ting device with three-year monitoring subscription to detect electrical hazards in their homes.
What safety services are included with policies?
Our loss prevention program includes property inspections, hazard identification, and safety recommendations during policyholder inspections.
Reviews (6)
Amanda Bolduc
Feb 17, 2021
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Critical: Professionalism, Value Cooperative Insurance will not insure property with certain breeds present.
Joe Eclypse
Feb 14, 2021
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OUTSTANDING customer service! Extremely professional and efficient! They go the extra mile to get you the best rates!
Bill Praetorius
Dec 04, 2020
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As a water and fire damage mitigation contractor we deal with almost 100 different carriers. I rate Co-Operative Insurance at the very top of the list for their excellent claim services. The adjusters are always onsite promptly and payments are very fair and quickly issued. Keep up the great work!
Andy Skypack
Dec 28, 2019
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Fantastic Vermont business that treats their members like family. Very responsive and professional team, highly recommend.
Jacques Couture
Nov 23, 2019
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For all you business, property, and auto insurance needs, this company is the very best. It's not just about price. Their service will be there when you need it! Over 100 years of top quality service to protect its members.
Amm Maa
Oct 25, 2019
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I have to agree with Alison, this company was very unwilling to answer any questions when I called. I was looking for car insurance for my family and requested basic co-op information about how it worked and for references. They would not provide either and were quite rude on the phone. No idea why. Maybe it's more like a country club type of group?
