How Much Does Umbrella Insurance Cost in Vermont?
Vermont pricing is near the national average. Updated for 2026.
Umbrella Insurance Pricing in Vermont
In Vermont, the average cost for umbrella insurance is $27 per month, which is 8% higher than the national average of $25. Most Vermont residents pay between $16 and $54.
Vermont has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Umbrella insurance provides additional liability coverage beyond your home and auto insurance limits. It protects your assets if you're sued for more than your base policies cover.
Vermont vs National Average
What Affects Umbrella Insurance Cost in Vermont?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
📐 Umbrella Insurance in Vermont Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Umbrella Insurance Pros in Vermont
5 providersFirst Choice Roofing & Siding
🏆 SPONSOREDProudly serving VT since 2014. Licensed, insured, and committed to excellence.
Apex Electrical
⭐ PREMIUMProudly serving VT since 2015. Licensed, insured, and committed to excellence.
Patriot Electrical
✅ VERIFIEDAre You a Umbrella Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for umbrella insurance in Vermont.
💡 Tips to Save on Umbrella Insurance in Vermont
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance in Vermont Cost Trends (2020–2024)
Prices have increased +22.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $22 | — |
| 2021 | $23 | +4.5% |
| 2022 | $25 | +8.7% |
| 2023 | $26 | +4.0% |
| 2024 | $27 | +3.8% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Umbrella Insurance in Vermont
Recent Reports
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
Umbrella Insurance Cost in Other States
Related Cost Guides for Vermont
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.