Average renters insurance cost in Vermont

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Renters in Vermont pay an average of $181 annually – or $15 per month – for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. For most renters, this is a practical benchmark to start from.

Your actual premium is shaped by the amount of coverage you select, the insurer you go with, and individual factors such as your ZIP code, claims history, and depending on your state – your credit score.

How much does renters insurance cost in Vermont?

Renters insurance in Vermont costs an average of $15 per month for a standard policy with $40,000 in personal property coverage and $300,000 in liability protection. Your actual premium can vary based on your location, coverage level, and the value of your belongings, so it’s worth comparing quotes from multiple insurers to find the best rate.

As a general rule, opting for a higher deductible can bring your monthly costs down, while adding extra coverage for high-value items like electronics or jewellery will push it up. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Vermont: Where to start

The average cost of renters insurance in Vermont is $181 per year, or $15 per month for a standard policy
For the most affordable option, Vermont Mutual offers the lowest average rates in Vermont at around $100 annually
Rates vary quite a bit between insurers, so comparing a few quotes before committing is worth the effort

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.

Renters insurance rates in Vermont by city

See rates in your city

Essex Junction

Rutland

South Burlington

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.

Does your ZIP code affect renters insurance rates in Vermont?

Your ZIP code is one of the biggest factors insurers use to set rates. Local risks like theft, fire and weather claims can drive premiums up or down, so two renters with the same coverage may pay very different prices.

In Vermont, rates range from about $175 in 5820 to $213 in 5030. Here are the cheapest and most expensive ZIP codes for renters insurance in Vermont.

Why your ZIP code affects renters insurance costs

Insurers use local risk data to calculate renters insurance premiums, which means rates can vary significantly by neighborhood and ZIP code.

Factors that affect renters insurance rates include:

Local theft and vandalism rates
Weather risks such as hurricanes, floods, or wildfires
Fire claims and rebuilding costs in your area

Even moving a few ZIP codes away can affect your monthly premium.

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

In Vermont, your ZIP code plays a major role in determining your premiums. Based on our data, 5820 is the most affordable ZIP code for renters insurance, with an average annual cost of $175.

ZIP codes with lower theft rates and fewer severe weather claims tend to have more affordable renters insurance premiums.

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 is the most expensive ZIP code for renters insurance in Vermont, at an average cost of $213 annually or $18 monthly.

Here are the average annual renters insurance rates for every ZIP code in Vermont, based on quotes from major insurers.

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

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

Compare at least 3 quotes – rates for the same coverage can vary by $100+ between insurers in the same ZIP code
Bundle with auto insurance to save 5% to 15% on your renters policy
Ask about safety device discounts for smoke detectors, deadbolts, security systems, and smart-home monitoring
Raise your deductible from $500 to $1,000 to save around 10%
Check claims-free discounts if you haven’t filed a claim in 3+ years

Is renters insurance worth it in Vermont?

For most renters in Vermont, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey â€“ over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

A standard renters insurance policy covers personal belongings, liability, and additional living expenses if your rental becomes unlivable. It protects against losses from events like fire, theft, and vandalism, and can cover legal or medical costs if someone is hurt on your property. Always check the specific limits and exclusions in any policy you’re considering.

Do I really need renters insurance in Vermont?

While renters insurance isn’t legally required in most cases, it provides real financial protection that’s hard to replicate otherwise. Even a basic policy can cover thousands of dollars in losses from theft, fire, or accidental damage – costs that would otherwise come straight out of pocket. Many landlords in Vermont also make renters insurance a condition of the lease.

Sources:

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

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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.