Burlington Home Insurance Costs (2026)

How much is homeowners insurance in Burlington?

Homeowners insurance in the 2 Burlington ZIP codes we priced averages $72 a month for the house we priced, with rates as of Sept. 30, 2026. The 2 major insurers we compared are Concord Group Insurance and State Farm, and each one priced our sample home in all 2 of those ZIP codes, in Chittenden County. That’s below the Vermont average of $73 a month. Only 2 major insurers priced our sample home in Burlington in our data, so this average reflects just those two; local and regional insurers we didn’t price may charge more or less, so compare several quotes.

Small sample: this guide is based on 2 Burlington ZIP codes (05401 and 05408), all the Burlington ZIP codes in our rate data. Our Vermont home insurance page covers 33 ZIP codes across the state, where the same house averages $73 a month, 1.1% more than in these 2 ZIP codes.

Our figures are for a $300,000 dwelling, which works out to about $2.88 a year for each $1,000 of dwelling coverage in these 2 ZIP codes; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Burlington average fell 4.0% since Nov. 2025, from $901 a year ($75 a month) on Nov. 30, 2025, to $865 ($72) on Sept. 30, 2026, as Concord Group Insurance’s fell 8.9% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Burlington for our sample home (rates as of Sept. 30, 2026)

Concord Group Insurance averaged $62 a month ($738 a year) and State Farm $83 ($993) for our sample home.

Same sample home: each insurer’s average yearly price in the same Burlington ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 2 insurers in the table priced the same 2 Burlington ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Burlington address:

• Concord Group Insurance ran from $736 a year in 05401 to $739 in 05408.
• State Farm charged $993 a year in every Burlington ZIP code it priced.

Against each insurer’s statewide price: for the same house, here is how each insurer’s Burlington average compares with its own average across the Vermont ZIP codes it priced:

• Concord Group Insurance: $738 a year in Burlington, 2.5% less than its Vermont average of $756.
• State Farm: $993 a year in Burlington, the same as its Vermont average.

Who has the cheapest homeowners insurance in Burlington?

With only 2 insurers in our data for Burlington home insurance, we show both averages instead of calling one the lowest in these 2 ZIP codes: Concord Group Insurance $62 and State Farm $83 a month for our sample home. Local and regional insurers we didn’t price may charge less for home insurance, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Burlington, ZIP code averages for this house ran from $72 to $72 a month, while insurers’ Burlington averages ran from $62 to $83.

Same house, different city: how does Burlington compare?

South Burlington, the other Vermont city with a local guide like this one, averages $72 a month in the 1 South Burlington ZIP codes we priced. For renters and condo owners, the 2 Burlington ZIP codes average $127 and $221 a year, against $127 and $221 in South Burlington.

Same sample home: average home insurance prices in Burlington, other Vermont cities in our data and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Against the average of the 50 states and D.C. ($258 a month), our sample home costs 72.1% less to insure in the 2 Burlington ZIP codes we priced.

For the statewide picture, see home insurance costs in Vermont and South Burlington home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is flood covered, and how common is flood insurance in Burlington?

Flood damage isn’t covered by a standard home, renters or condo policy at all; it needs a separate flood policy.

As of August 3, 2026, Chittenden County had 283 residential flood insurance policies in force under the National Flood Insurance Program, covering about 0.6% of its 46,559 residential structures, and 124 of the 356 residential structures in the mapped high-risk flood zone (34.8%) were covered, according to FEMA’s OpenFEMA NFIP residential penetration rates.

FEMA’s NFIP Community Status Book lists the City of Burlington (NFIP community 500032) in the National Flood Insurance Program, with flood maps in effect since July 18, 2011 and no Community Rating System class, so flood insurance there carries no community discount, according to FEMA’s NFIP Community Status Book.

Lake Champlain reached its highest level on record, 103.27 feet, on May 6, 2011, breaking the 1993 record by 1.41 feet; it stayed above flood stage for 67 days straight and the flooding damaged hundreds of houses along the shoreline, according to the National Weather Service in Burlington.

A new flood policy through the National Flood Insurance Program usually takes 30 days to start, so buying one when water is already rising is too late. FEMA’s flood map service (msc.fema.gov) shows whether a Burlington address sits in a mapped high-risk flood zone, where a mortgage lender will usually require flood insurance.

Is $200 a month a lot for home insurance in Burlington?

$200 a month is more than our sample home averages in the 2 Burlington ZIP codes we priced, $72 a month. All 2 insurers we compared averaged under $200 for the same house. If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.

How do wind and hail deductibles work in Burlington?

Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Burlington policies may use a separate wind and hail deductible, so ask for yours.

Your wind and hail deductible in dollars (illustration only)

The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $865 a year that house averages in the 2 Burlington ZIP codes we priced.

A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.

How much is renters insurance in Burlington?

Renters insurance for our sample renter averages $11 a month ($127 a year) in the 2 Burlington ZIP codes we priced. For our sample renter, prices among the 3 insurers we compared ranged from $9 to $12 a month, a $3-a-month gap for the same coverage.

Renters insurance averages by insurer in Burlington for our sample renter (rates as of Sept. 30, 2026)

Concord Group Insurance averaged $9 a month ($109 a year), State Farm $11 ($126) and Safeco $12 ($145) for our sample renter.

We don’t name a lowest renters insurer in Burlington (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $9 to $12 a month.

The renters average in the 2 Burlington ZIP codes we priced is 2.8% below the Vermont renters average of $130 a year ($11 a month) and 50.5% below the average of the 50 states and D.C., $256 a year ($21 a month). Each insurer’s renters average in the 2 Burlington ZIP codes we priced for our sample renter is within $1 a month of its Vermont average. Our sample renter’s policy costs about 15% of what our sample home costs to insure in the 2 Burlington ZIP codes we priced.

For the same insurers and ZIP codes, the Burlington renters average rose 0.8% since Nov. 2025, from $126 to $127 a year, as Concord Group Insurance’s rose 2.8% and the other insurers’ prices didn’t change.

Each insurer charged the same renters price for our sample renter in all 2 Burlington ZIP codes we priced.

Against each insurer’s statewide renters price (yearly, for our sample renter in the 2 Burlington ZIP codes we priced):

• Concord Group Insurance: $109 a year here, the same as its Vermont average.
• State Farm: $126 a year here, the same as its Vermont average.
• Safeco: $145 a year here, 7.1% less than its Vermont average of $156.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 6 sample prices by 3 insurers across 2 Burlington ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

For what a renters policy covers and leaves out, see renters insurance in Vermont.

How we got these renters prices: each insurer’s average across the 2 Burlington ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Burlington

Many Burlington homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Burlington · Vermont car insurance rates · How bundling home and auto insurance works