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. 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
| Chittenden County | 25,672 | $1,590 | $404,500 |
|---|---|---|---|
| Rutland County | 6,952 | $965 | $218,400 |
| Washington County | 6,863 | $1,094 | $293,900 |
| Windsor County | 6,255 | $1,089 | $267,400 |
| Windham County | 5,354 | $1,056 | $265,100 |
| Franklin County | 4,317 | $1,164 | $285,500 |
| Bennington County | 3,562 | $1,063 | $257,400 |
| Lamoille County | 3,115 | $1,123 | $285,200 |
| Addison County | 2,930 | $1,201 | $333,700 |
| Caledonia County | 2,811 | $904 | $215,900 |
| Orange County | 2,369 | $1,145 | $251,000 |
| Orleans County | 2,365 | $897 | $213,300 |
| Essex County | 459 | $915 | $167,500 |
| Grand Isle County | 280 | $1,436 | $363,500 |
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/.
Download the Vermont county-level dataset (CSV), free to reuse with citation.