Homeowners Insurance in Vermont

The average Vermont homeowners premium is $1,215 a year (NAIC) — ▼ −30% versus the U.S. average of $1,737, ranking 40th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Vermont

Homeowners (HO-3)

$1,215

NAIC average / year

Renters (HO-4)

$155

U.S. $173

Median home value

$316,600

Census ACS

FEMA expected loss rating

Very Low

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Vermont's median home value of $316,600 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Vermont

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Very Low	13.2	$828,912
Tornado	Relatively Low	13.2	$4,175,428
Hurricane	Very Low	43.5	$7,712,679
Inland (river) flooding	Relatively Low	17.9	$162,495,846
Coastal flooding	Not rated	—	—
Wildfire	Very Low	5.9	$118,927
Earthquake	Very Low	10.7	$6,106,576
Winter weather	Relatively Moderate	19.6	$2,120,750
Strong wind	Relatively Low	17.0	$5,011,937
Lightning	Very Low	15.4	$6,011,737

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Rutland ($775) and the highest in Burlington ($1,630).

City	Median home value	Median year built	Hail / wind	Est. premium
Burlington	$444,800	1957	Very Low / Relatively Moderate	$1,630
South Burlington	$443,400	1989	Very Low / Relatively Moderate	$1,625
Rutland	$185,500	1938	Very Low / Relatively Moderate	$775
Essex Junction	$407,500	1983	Very Low / Relatively Moderate	$1,520
Winooski	$381,500	1974	Very Low / Relatively Moderate	$1,440
Barre	$210,400	1947	Very Low / Relatively Low	$830
Montpelier	$375,100	1955	Very Low / Relatively Low	$1,320
St. Albans	$263,400	1945	Very Low / Relatively Low	$960

Car insurance in Vermont →

Frequently asked questions

How much is homeowners insurance in Vermont?

NAIC data puts the average Vermont homeowners (HO-3) premium at $1,215 a year, ranking 40th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Vermont?

The NAIC average renters (HO-4) premium in Vermont is $155 a year.

What natural hazards affect home insurance in Vermont?

FEMA's National Risk Index does not rate any single hazard in Vermont as relatively high for expected annual losses. Flood and earthquake still need separate policies.

Does homeowners insurance cover floods in Vermont?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page