Fast & affordable landlord insurance in Vermont

Vermont has a small but active rental market, concentrated in Burlington, Montpelier, Rutland, and the college towns. About 29% of households rent statewide, with higher concentrations in the Burlington metro. Burlington's rental market alone comprises over 40% of the state's total rental housing units, creating a concentrated demand that extends throughout Chittenden County and into neighboring areas where property values have steadily appreciated over the past decade.

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The state's tenant protections are robust, however — Vermont is considered a tenant-friendly state with specific requirements around security deposits, habitability, and eviction procedures.

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Also important for landlords to know, Vermont's weather includes harsh winters with heavy snow, ice storms, and bitter cold, along with spring flooding and occasional severe thunderstorms. The state's older housing stock — much of it built before modern building codes — makes winter-related property damage particularly common and potentially expensive to repair.

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Average annual snowfall exceeds 100 inches across most regions, with some mountain areas receiving upwards of 200 inches, while spring melt combined with seasonal precipitation frequently triggers flood conditions in river valleys and low-lying areas throughout the state.