Business Details
50+ Years
experience
Your Trusted Insurance Partner in Vermont
Carter Insurance Agency has served Vermont communities for over a century, offering personalized insurance solutions tailored to individual client needs. Our independent agency model allows us to represent multiple carriers, ensuring competitive pricing while maintaining local expertise through four convenient locations. With a commitment to exceptional customer service, our experienced agents provide comprehensive coverage analysis and professional advice for both personal and commercial insurance requirements. Our affiliation with Trusted Choice and SIAA reinforces our dedication to industry excellence and client satisfaction. We specialize in crafting customized protection strategies rather than generic policies, helping clients secure their futures through auto, home, business, and agricultural insurance products.Our team's deep understanding of regional challenges enables us to deliver context-specific solutions that address Vermont and New Hampshire's unique insurance landscape. By combining national carrier access with local market knowledge, we ensure clients receive optimal coverage at competitive rates. Our continuous focus on client peace of mind has established us as a trusted insurance partner since 1925, maintaining the same commitment to personalized service that defined our founding principles.
Services
Auto Insurance
Home Insurance
Business Insurance
AG and Crop Insurance
Commercial Auto
Commercial Property
Renters Insurance
Umbrella Policies
Flood Insurance
Life Insurance
Details
- Year established: 1925
Highlights and features
- We work with multiple insurance carriers to find your best coverage match
- Local agents understand Vermont's unique insurance requirements
- Experienced professionals provide personalized policy analysis
- 100 years of combined insurance expertise in our team
- Customized insurance solutions instead of generic packages
Associations and certifications
- Trusted Choice
- SIAA
What people say
Professional, knowledgeable
Exceptional service
Great local company
Committed to helping
Best coverage options
Services
Personalized Insurance Solutions
We analyze individual needs to create tailored insurance packages combining multiple carrier options. Our agents assess risk factors and recommend optimal coverage levels for homes, vehicles, and personal assets. This approach ensures clients receive protection matching their specific requirements rather than generic policy templates.
Commercial Insurance
Our Business Owners Policy covers commercial property, liability, and operations risks. We offer specialized coverage for auto fleets, workers compensation, and professional liability. Tailored solutions help Vermont businesses manage risk while maintaining cost-effectiveness through strategic carrier partnerships.
AG and Crop Insurance
Designed for Vermont's farming community, our policies protect agricultural equipment, livestock, and crop yields. We provide risk management solutions addressing weather-related losses, equipment breakdowns, and liability concerns specific to farming operations across Addison County.
Home Insurance
We offer comprehensive home insurance covering structural damage, personal belongings, and liability risks. Policies include options for flood protection and coverage for seasonal homes. Our agents help homeowners understand replacement costs and select appropriate coverage limits.
Auto Insurance
Our auto insurance policies protect against collision damage, liability claims, and uninsured motorists. We provide specialized coverage for classic cars, motorcycles, and recreational vehicles. Competitive pricing results from comparing multiple carrier options to match individual driver profiles.
People
James Clark
Insurance Agent
With decades of experience in Vermont's insurance market, James specializes in commercial risk management and agricultural coverage solutions.
Emma Carter
Insurance Agent
Emma provides personalized insurance solutions for Middlebury residents, focusing on home and auto coverage tailored to local needs.
Chad Hayes
Insurance Professional
Chad assists clients across Vermont with business insurance needs, leveraging carrier relationships to secure competitive commercial policy rates.
Questions
What types of insurance do you offer?
We provide auto, home, business, agricultural, life, and flood insurance policies tailored to Vermont and New Hampshire residents.
How can I get a quote?
Request a quote online or call us directly at 802-385-1189. Our agents will help you compare options from multiple carriers.
Do you handle insurance claims?
Yes, we assist with claim filings and follow-up through our partner insurance companies' processes.
Are you a local agency?
We operate four Vermont locations in Middlebury, Bristol, Hinesburg, and St. Johnsbury with local agents serving regional needs.
What makes you different from other agencies?
As an independent agency, we represent multiple carriers to find your best coverage match rather than selling a single company's policies.
Do you offer business insurance?
Yes, our commercial insurance services include business owners policies, workers compensation, and specialized liability coverage options.
Reviews (4)
Ted Cotton
Jan 21, 2022
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We were having difficulty finding a specific type of insurance - needed in conjunction with the building of a new home. The feedback we were getting from a couple markets made it sound like there were significant hurdles to acquiring this coverage - that we could have to cancel and re-write our current homeowner's program. We were relieved to find Randy - who was able to find a market for us and was able to get the insurance in place quickly and affordably.
Randy Higginson
Jan 14, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
I called around several different places. Randy's price was several hundred dollars cheaper then the next lowest snowmobile insurance quote I received, with higher coverage and lower deductibles! I will be quoting all of my policies here!
I called around several different places. Randy's price was several hundred dollars cheaper then the next lowest snowmobile insurance quote I received, with higher coverage and lower deductibles! I will be quoting all of my policies here!
Susan Ryerson
Oct 26, 2021
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Positive:Professionalism,Responsiveness
Randy tried everything he could to find coverage for us. When he couldn't--through no fault of his own; we had a rather unique problem--he referred me to someone who had access to other options for us. He went above and beyond for us, and we are so grateful.
Randy tried everything he could to find coverage for us. When he couldn't--through no fault of his own; we had a rather unique problem--he referred me to someone who had access to other options for us. He went above and beyond for us, and we are so grateful.
Arthur Dwyer
Oct 14, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Randy is awesome not only did he pick up the phone more than once while guiding Caroline and I through our first home-owner policy, he got us the best deal possible with great coverage. And saved me enough money to take Caroline out Dinner
Randy is awesome not only did he pick up the phone more than once while guiding Caroline and I through our first home-owner policy, he got us the best deal possible with great coverage. And saved me enough money to take Caroline out Dinner
