Every Vehicle and Property You Own, Covered in One Place
We work with 14 carriers to find the right fit for your home, your cars, your boat, your four-wheeler — whatever your life looks like in Vermont. One local agency. One call. Everything covered.
Personal Insurance Built Around What You Actually Own
Most people carry a home policy and an auto policy and assume that covers the bases. But a standard policy has limits — on what it covers, how much it pays out, and what it excludes entirely. If you own a boat, a snowmobile, an ATV, or a rental property, you may have gaps you don't know about yet.
We write personal insurance across every line — so you can build coverage that reflects what you actually own, not what a package assumes you do. And because we're independent, we quote your coverage across 14 carriers to find the right combination of price and protection.
Coverage for Every Part of Your Life
Home Insurance
Your home is likely your largest asset. We help Vermont homeowners find coverage that accounts for the full replacement cost of their home — not just its market value — along with liability protection and coverage for attached structures, personal belongings, and more.
Auto Insurance
Whether you drive a pickup, a sedan, or a work truck on weekends, we'll find auto coverage that fits your situation and your budget. We compare rates across multiple carriers so you're not stuck with one company's pricing.
Umbrella Insurance
Standard home and auto policies have liability limits. If a serious accident exhausts those limits, the remainder comes out of your pocket. An umbrella policy extends your protection well beyond those thresholds — for a relatively low additional cost.
Renters Insurance
If you rent your home or apartment, your landlord's policy doesn't cover your belongings. Renters insurance protects what you own inside the unit — furniture, electronics, clothing — and provides liability coverage if someone is injured in your space.
Flood Insurance
Vermont's flood risk is real and well-documented. Standard homeowners policies do not cover flood damage — that requires a separate policy. If your home sits near a river, a stream, or low-lying ground, flood coverage isn't optional. It's the coverage most people wish they had before they needed it.
Boat Insurance
Once the ice goes out and the season opens, Vermont's lakes and ponds fill up fast. Boat insurance covers your vessel, your motor, and your liability on the water — whether you're on Lake Memphremagog, Lake Willoughby, or anywhere in between.
Motorcycle Insurance
Riding season in Vermont is short and worth protecting. We write motorcycle coverage for everything from cruisers to sport bikes, with options for agreed value, custom parts, and roadside assistance built in.
ATV & UTV Insurance
Vermont's trail system opens every spring, and your four-wheeler deserves the same coverage attention as your car. ATV and UTV policies cover physical damage, liability, and medical payments — whether you're on a designated trail or your own property.
Recreational Vehicles
From snowmobiles in January to campers in July, Vermont living means using your equipment year-round. We write coverage for recreational vehicles of all kinds, timed to the seasons and the way you actually use them.
Farm Household? We Have You Covered There Too
If your property includes a barn, farm equipment, livestock, or a sugarhouse, a standard homeowners policy won't cover those assets. Our farm insurance lines are built specifically for agricultural operations — including maple production — and we can write both your personal and farm coverage under one roof.
Why Vermont Families Choose Taylor-Moore
Covers You for a Set Period of Time
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Independent agency with access to 14 carriers — we shop the market so you don't have to
Two staffed offices in Derby and Barton, open to walk-ins and calls
Coverage for every personal line, from home and auto to flood, boat, and recreational vehicles
Covers You for a Set Period of Time
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Agents who know Vermont — the seasons, the risks, and the communities we serve
A local agency with deep roots in Orleans County and the Northeast Kingdom
Common Questions About Personal Insurance
Common Questions About Personal Insurance in Vermont
What personal insurance do I need in Vermont?
At minimum, Vermont drivers are required to carry auto liability insurance. Beyond that, the coverage you need depends on what you own. Homeowners should carry a home policy; renters should carry renters insurance. If you own a boat, ATV, snowmobile, or other recreational vehicle, each typically requires its own policy. Flood coverage is separate from homeowners and worth serious consideration given Vermont's flood history.
Does my homeowners policy cover flood in Vermont?
No. Standard homeowners policies exclude flood damage. Flood coverage is purchased separately, typically through the National Flood Insurance Program or a private flood carrier. If your property has any flood exposure — near a river, a low area, or a floodplain — a separate flood policy is the only way to cover that risk.
Can one agency cover my home, auto, boat, and ATV?
Yes. Taylor-Moore writes personal insurance across all of these lines. Keeping your coverage with one independent agency makes it easier to identify gaps, coordinate claims, and make sure nothing falls through the cracks when your situation changes.
What is umbrella insurance and do I need it?
An umbrella policy provides additional liability coverage above the limits on your home and auto policies. If you're found liable for a serious accident and the damages exceed your standard policy limits, umbrella coverage picks up the difference. It's one of the more cost-effective ways to add meaningful protection, especially for families with assets to protect.
How do I get a personal insurance quote in Vermont?
Call either of our offices directly in Barton or Derby, or submit a quote request through our website. We'll ask a few questions about what you own and what you're currently carrying, then compare options across our carrier network to find the right fit.
Talk to a Local Agent About Your Coverage
You shouldn't find out you're underinsured when you're filing a claim. We help Vermont families build personal insurance coverage that actually reflects their lives — before something goes wrong. Reach out to our Derby or Barton office, or start a quote online.