Average renters insurance cost in Vermont

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Renters in Vermont pay an average of $181 per year, or $15 per month for renters insurance. This is based on a standard policy covering $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – a reasonable baseline for most renters.

What you actually pay will depend on your coverage amount, which insurer you choose, and personal details like your ZIP code, claims history, and in some states, your credit score.

How much does renters insurance cost in Vermont?

At $15 per month, renters insurance in Vermont is based on a policy with $40,000 in personal property coverage and $300,000 in liability protection. Your premium will shift depending on your location, the coverage limits you set, and the total worth of your possessions. Shopping around and comparing quotes from different insurers is one of the most effective ways to keep costs manageable.

It’s worth remembering that a higher deductible might reduce your monthly premium, while broader coverage for valuables such as electronics or jewelry will increase it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Vermont: Where to start

On average, renters insurance in Vermont costs $181 per year, or $15 per month
Among all providers in Vermont, Vermont Mutual consistently comes in with the lowest average rates – around $100 per year
Because premiums can vary significantly from one insurer to the next, comparing multiple quotes before settling on a policy is always a good idea

Which companies offer the cheapest renters insurance in Vermont?

Among insurers operating in Vermont, Vermont Mutual has the lowest average annual premium at $100. State Farm and MMG Insurance are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various insurers in Vermont.

Company	Average annual rate	Average monthly rate
Vermont Mutual	$100	$8
State Farm	$148	$12
MMG Insurance	$150	$13
Frankenmuth Insurance	$153	$13
Co-operative Insurance Companies	$161	$13
Auto-Owners	$183	$15
Union Mutual	$233	$19
Travelers	$398	$33

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history and other rating factors.

Renters insurance calculator in Vermont

$164/year

Estimated renters insurance rates in Vermont

$14

Monthly renters insurance cost in Vermont

-39%

Compared to national average

How much does renters insurance cost by coverage level in Vermont?

The average annual cost of renters insurance in Vermont is $181, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $144 a year for renters insurance in Vermont. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows average annual renters insurance premiums in Vermont for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$140	$12
$20,000 with $500 Deductible and $300,000 Liability	$150	$13
$20,000 with $1,000 Deductible and $100,000 Liability	$135	$11
$20,000 with $1,000 Deductible and $300,000 Liability	$144	$12
$40,000 with $500 Deductible and $100,000 Liability	$174	$15
$40,000 with $500 Deductible and $300,000 Liability	$193	$16
$40,000 with $1,000 Deductible and $100,000 Liability	$164	$14
$40,000 with $1,000 Deductible and $300,000 Liability	$181	$15
$60,000 with $500 Deductible and $100,000 Liability	$224	$19
$60,000 with $500 Deductible and $300,000 Liability	$245	$20
$60,000 with $1,000 Deductible and $100,000 Liability	$209	$17
$60,000 with $1,000 Deductible and $300,000 Liability	$229	$19

People also ask: How much renters insurance coverage do I need?

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

How much does renters insurance cost by city in Vermont?

Your city within Vermont can have a real impact on your renters insurance premium. Insurers factor in local variables like crime statistics, weather history, and how urban or suburban an area is when setting rates.

Here’s how average renters insurance costs break down across major cities in Vermont.

Renters insurance rates in Vermont by city

See rates in your city

Essex Junction

Rutland

South Burlington

Does your ZIP code affect renters insurance rates in Vermont?

When it comes to pricing renters insurance, your ZIP code carries a lot of weight. Insurers look at the risk profile of your specific area – including local theft levels, weather exposure, and claims history – to determine your rate. Two renters with identical policies can pay very different premiums simply because of where they live.

Across Vermont, annual premiums range from around $175 in 5820 to $213 in 5030. The cheapest and most expensive ZIP codes in Vermont are listed below.

Why your ZIP code affects renters insurance costs

Renters insurance premiums are calculated using localized risk data, so rates can vary considerably depending on your neighborhood and ZIP code.

Factors that influence pricing include:

Local rates of theft and vandalism
Exposure to weather events such as wildfires, floods, or hurricanes
Fire incident history and repair costs in your area

A change of just a few ZIP codes can meaningfully affect your monthly rate.

What are the most affordable ZIP codes for renters insurance in Vermont?

Among all ZIP codes in Vermont, 5820 has the lowest average annual renters insurance rate at $175.

Lower theft rates and fewer weather-related claims are the main drivers behind more affordable premiums in these areas.

ZIP code	City	Average annual rate	Average monthly rate
5820	Albany	$175	$15
5441	Bakersfield	$175	$15
5821	Barnet	$175	$15
5822	Barton	$175	$15
5442	Belvidere Center	$175	$15
5444	Cambridge	$175	$15
5826	Craftsbury	$175	$15
5827	Craftsbury Common	$175	$15
5829	Derby	$175	$15
5830	Derby Line	$175	$15

What are the least affordable ZIP codes for renters insurance in Vermont?

5030 carries the highest average renters insurance cost in Vermont at $213 per year, or $18 per month.

Below are average annual renters insurance rates for every ZIP code in Vermont.

How to lower your renters insurance, even in a high-cost ZIP code

Compare quotes from a minimum of 3 insurers – pricing for the same coverage can vary by over $100 within a single ZIP code
Bundle renters and auto insurance with the same provider to unlock savings of 5% to 15%
Look into discounts tied to safety features. Smoke detectors, deadbolts, security cameras, and smart home systems can all qualify
Consider raising your deductible to $1,000 if it’s currently $500 – the savings can be around 10% annually
Ask your insurer about claims-free discounts if you’ve gone 3 or more years without filing

ZIP code	City	Average annual rate	Average monthly rate
5030	Ascutney	$213	$18
5823	Beebe Plain	$213	$18
5439	Colchester	$213	$18
5741	East Poultney	$213	$18
5838	East St.Johnsbury	$213	$18
5745	Forest Dale	$213	$18
5746	Gaysville	$213	$18
5049	Hartland Four Corners	$213	$18
5460	Highgate Springs	$213	$18
5750	Hydeville	$213	$18

Is renters insurance worth it in Vermont?

For most renters in Vermont, a renters insurance policy protects your belongings from risks like fire, theft, vandalism, and certain weather events, and shields you from liability if someone is injured inside your home.

According to figures from the US Department of Commerce, the US Census Bureau, and the American Community Survey, approximately 48% of US renter households allocate more than 30% of their income toward rent and utilities. When housing already takes up a large share of your budget, it’s worth being thoughtful about every ongoing cost – including insurance.

Shopping around makes a real difference. Beyond price, look at what each policy actually covers, what the deductible is, and how the insurer performs when claims are filed. Slightly higher premiums can be worthwhile if the coverage is meaningfully better.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in Vermont?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in Vermont to require it as part of the lease agreement.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

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$224/Year

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.