Vermont renters insurance

Q: Is renters insurance required in Vermont?

Vermont state law doesn't require renters insurance , but your landlord or rental company may want proof of a renters insurance policy. You can get affordable renters insurance even if your landlord doesn't require it. A renters insurance policy can help protect your belongings in the event of a covered loss. If you can't live in your rental property while it's being fixed due to a covered peril, renters insurance may even cover hotel costs and extra dining expenses above what you'd usually spend on groceries.

Progressive offers customized protection and discounts to lower your cost for renters insurance in Vermont. See how you're covered, get a personalized renters insurance quote, and learn more about affordable renters insurance in The Green Mountain State.

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Is renters insurance required in Vermont?

Vermont state law doesn't require renters insurance, but your landlord or rental company may want proof of a renters insurance policy. You can get affordable renters insurance even if your landlord doesn't require it. A renters insurance policy can help protect your belongings in the event of a covered loss. If you can't live in your rental property while it's being fixed due to a covered peril, renters insurance may even cover hotel costs and extra dining expenses above what you'd usually spend on groceries.

Vermont renters insurance coverages

Check out the four standard coverages on nearly all Vermont renters insurance policies:

Personal property protects your personal belongings, including furniture, clothing, and electronics.
Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments pays for others' medical expenses due to a covered occurrence.

Additional coverages

For tenants renting apartments, condos, or homes, the best renters insurance in Vermont is always a policy with customized coverage limits. Here are some extra options for when you need more protection:

Certain valuable items, like jewelry, art and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
Personal injury: May pay for legal fees and damages if you’re liable for slander or defamation.
Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about renters insurance coverages.

Common claims in Vermont

Vermont's snowy winters can lead to weather-related damages due to heavy storms, ice, and frozen pipes. Your Vermont renters insurance policy may pay for damaged personal belongings from a covered peril, up to your policy's limits and minus your deductible.

Vermont is home to many lakes and rivers, plus mountains that see more than their fair share of snow. When that snow melts, water levels rise, and Vermont rental homes and apartments can experience flooding. While renters insurance doesn't cover damage from outside flooding, a separate flood insurance policy may protect your belongings against flood damage.

Discounts on Vermont renters insurance

Progressive offers several discounts to help lower the cost of renters policies in Vermont, such as:

Multi-policy
Quote in advance
Pay in full
Secured/gated community

See more of our available renters insurance discounts.

Pro tip:

Bundle renters with auto insurance and save! We make it simple to get a bundled quote and earn a multi-policy discount, even from your phone.

What does Vermont renters insurance cost?

You can buy Progressive renters insurance for less than $1/day.^* Many components influence the cost of renters insurance in Vermont, including your location and coverage limits. Learn more about renters insurance cost factors.