In Vermont, home insurance is not legally required by the state. However, it's important to note that while it may not be mandatory by law, having home insurance is still highly recommended to protect your property and belongings. Mortgage lenders often require homeowners to have insurance as part of the loan agreement, so even though it's not a legal requirement, it may be a practical necessity for many homeowners. It's always best to consult with an insurance professional or legal advisor to understand the specific requirements and implications for your individual situation.