Home / Rates data / Vermont Save Renters and home insurance rates in Vermont The NAIC's published average premiums for Vermont by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
More Figures are published averages, never quotes; methodology at the foot of the page.
average renters premium (HO-4), per year $154
average homeowners premium (HO-3), per year $1,109
renter households 73,304 By county renter households, largest first
Chittenden County 25,672 Rutland County 6,952 Washington County 6,863 Windsor County 6,255 Windham County 5,354 Franklin County 4,317 Bennington County 3,562 Lamoille County 3,115 Addison County 2,930 Caledonia County 2,811 Orange County 2,369 Orleans County 2,365 Table view Download the Vermont county-level dataset (CSV) , free to reuse with citation.
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Get listed Sources, citation and related pages Cite or embed this figure The average annual renters insurance premium in Vermont was $154 in 2022, across 73,304 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Vermont", updated 2026-08-17, https://homecoverhq.com/rates/vermont/.
Embed this figure (plain HTML, no scripts) Copy embed Counties in Vermont Renters insurance data for Addison County, VT Bennington County, VT rent and home values Housing and insurance data for Caledonia County, VT What renting costs in Chittenden County, VT Renters insurance data for Essex County, VT Renters insurance data for Franklin County, VT Grand Isle County, VT renter household figures Housing and insurance data for Lamoille County, VT Orange County, VT renter household figures What renting costs in Orleans County, VT Renters insurance data for Rutland County, VT Census housing records for Washington County, VT Housing and insurance data for Windham County, VT What renting costs in Windsor County, VT Other states in the index Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.
Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.