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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How to get affordable renters insurance in Vermont

Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. A renters policy protects personal items against fire, smoke damage, a wind storm, vandalism or theft and a variety of other mishaps.

Unlike auto insurance, renters policies aren’t priced based on state laws. Even still, there are surprisingly large differences in insurance pricing from state to state. Renters insurance costs in US states may differ based on the number and total value of renters claims filed across the state, and also on the value of the belongings being insured.

Renters insurance in Vermont is less expensive than the national average. The average annual cost of renters insurance in Vermont is $117, $68 less expensive than the US average.

The easiest way to acquire an affordable renters insurance policy in Vermont is to compare rates from as many insurance companies as possible. Learn more about how much renters insurance costs in Vermont by referencing the below data. Your rates may vary, depending on your coverage details and the value of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Vermont by company

Renters insurance rates in Vermont differ depending on which insurer you select. Concord provides the most affordable renters insurance in Vermont, at only $75 per year. This is less than Vermont's average price of $117, providing a 36% price cut on average statewide renters insurance costs.

Start looking for a renters insurance policy by viewing average rates from top Vermont insurance companies, detailed below.

Carrier Average 12-Month Rate in Vermont
Concord $75
Vermont $100
Co-Op Insurance $112
State Farm $115
Safeco $120

Vermont renters insurance costs by city

Renters insurance rates in Vermont differ by city. Pricing may depend on city-specific variables, including the number of local claims filed, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest renters insurance in Vermont is found in Burlington. In Burlington, the typical renters insurance policy costs $115 per year — $33 less than the state average. Reference the below table to see the cheapest cities in Vermont for renters insurance.

City Average Yearly Renters Insurance Rate
Burlington $115
South Burlington $115
Essex Junction $115
Winooski $115
Barre $116

Renters insurance in VT by coverage tier

Your renters insurance rates will vary depending on the amount of coverage you purchase. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Vermont, the difference in annual premium between these two tiers is about $11. If you can afford the up-front expense, purchasing more coverage might not be a bad idea.

Coverage Level Average Annual Renters Insurance Rate in Vermont
$25K Property $111
$50K Property $122

Tip: bundle auto and renters insurance in Vermont

If you’re seeking ways to save on your insurance expenditures, consider purchasing your renters and auto policies from the same insurance company. A renters and car insurance bundle in Vermont can lead to substantial savings on auto insurance. In fact, bundling policies in Vermont may generate a yearly discount of $72.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,075 $1,003 $72 7%

Vermont renters insurance FAQs


Is renters insurance required in Vermont?

While there is no official law on the books, it is highly recommended that tenants purchase renters insurance. In fact, many Vermont landlords do require it of their tenants.

What does Vermont renters insurance cover?

Vermont renters insurance covers your personal belongings should they be lost, damaged, destroyed, or stolen. It also provides liability coverage, medical payments to others, and living expenses should your home become temporarily uninhabitable. Companies can vary in the specific coverages that they provide, so it's worth shopping around to find the coverage you need.

Need renters insurance? Talk to an expert today.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.