Vermont Condo Insurance

Get Condo Insurance for Your Home in Vermont

Independent agents in Vermont shop multiple companies to get you the best price on condo insurance.

Whether your condo is a vacation home in Stowe or a full time residence in Burlington, you need condo insurance to protect your finances. Quotes on townhome or condo insurance are easy to find when you work with a local agent in who knows the ins and outs of Vermont condo ownership.

A ski condo in Stowe can cost upwards of $2 million depending on the location, amenities and size. A family-sized condo in Burlington can run between $200,000 and $500,000. Even a modest townhome in Middlebury costs $150,000 or more. Whether you purchase your condo for leisure or full-time living, it's a major investment. The condominium association usually insures the outer structure of your condo unit, as well as the grounds, pool, fitness center and other facilities. However, the rest is typically yours to insure: indoor plumbing, flooring, fixtures, appliances, ceilings, even windows and doors in some cases.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Property Crime in Vermont

  • In 2012, residents of VT reported 10,616 thefts and 3,965 burglaries.
  • That year, the rate of theft in VT was 1,695 per 100,000 people.
  • The rate of burglary was 633 per 100,000 people.

The average Vermont resident has at least a 2 percent chance of being a victim of a property crime over the course of one year. When you multiply that slim chance across the three or four decades during which you own your condo, there is plenty of opportunity for trouble to find you.

Condo insurance can cover the items most likely to be stolen or vandalized in your home, such as electronics, appliances, certain articles of jewelry and clothing, up to your policy limits. Your policy can also cover incidents like fire, strong winds, hail, lightning and landslides. That way, you can repair the damage and replace your favorite items without emptying your savings or going into debt.

How Does Condo Insurance Work?

Condo or townhome insurance picks up where the condominium association's master insurance policy leaves off, namely, the interior walls and living spaces of your condo. This type of coverage, also known as HO6 insurance, is a special form of homeowners insurance that excludes certain areas most homeowners must insure such as the parking areas, outbuildings and grounds.

Your condo coverage can provide financial protection for the following:

  • Improvements you make to flooring, fixtures, wall treatments and window coverings
  • Doors and windows, if necessary
  • Plumbing leaks and subsequent water damage
  • Your personal property, such as TVs, computers, furniture, appliances and clothing

If you have special collections, valuable jewelry or other items that require an extra bump in coverage, you can often add these items as separate endorsements on your property coverage.

Condo insurance also provides liability coverage, similar to what a standard homeowners policy would provide. It offers coverage for bodily injury and property damage claims that stem from incidents that take place in your condo such as a dog bite or a slip-and-fall. Liability insurance can cover your settlement costs, court fees and legal defense up to the limits of your policy.

Other Coverage You May Need for Your Condo

Vacant condo: If you use your condo as a vacation home and it sits vacant for a large portion of each year, you may need vacant condo coverage. This is an inexpensive way to protect your vacant condo from the cost of break-ins, fire and other incidents while you are away.

Renters insurance: If you rent your condo, rather than own it, you can choose to insure only the property you keep in the home. Your landlord's policy should cover the home itself. Renters insurance can also cover bodily injury liability and property damage liability, up to a certain amount.

Landlord insurance: If you rent out your condo to others, whether part time or full time, you may need landlord insurance. This provides extra liability protection for you as a landlord against claims like wrongful eviction, invasion of privacy and libel, as well as general liability for accidents that may occur on the premises. It also provides property damage coverage to help cover the cost of damage to your townhome.

Flood insurance: Condo insurance, like almost every other homeowners insurance, does not cover natural flooding. This can be a concern in mountainous areas that receive heavy snowfall or in special flood hazard zones. Flooding can happen almost anywhere, but you can purchase flood insurance separately through the National Flood Insurance Program. A local agent can help you find quotes and information on flood insurance participation in your area.

Get the Best Quotes on Condo Insurance

A local, independent agent right here in Vermont can be a great source of information and help as you search for the right condo insurance quotes for the coverage you're looking for. Agents in the Trusted Choice® network can find exactly the policy you need at the best possible price. A local agent may also be able to bundle your townhome coverage with other insurance such as business, auto or umbrella policies to save you money and time each month.

Contact a Trusted Choice agent in your ZIP code to get the condo insurance quotes and information you need.


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