The top-rated landlord insurance agent in Middlebury, Vermont is Carter Insurance Agency, LLC, rated 5.0 stars across 164 reviews. Other highly rated options include Jim Soriano - State Farm Insurance Agent, IPJ Real Estate, Co-operative Insurance Companies. This directory lists 12 landlord insurance agents serving Middlebury.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Carter Insurance Agency, LLC | 1396 US-7 | (802) 385-1189 |
| 2 | Jim Soriano - State Farm Insurance Agent | 57 Court St | (802) 388-3276 |
| 3 | IPJ Real Estate | 34 Main St | (802) 388-4242 |
| 4 | Co-operative Insurance Companies | 292 Colonial Dr | (800) 388-6638 |
| 5 | Laberge Insurance Inc | 1 Washington St | (802) 388-2772 |
| 6 | Direct Travel - Middlebury | 73 Main St #1 | (802) 388-3125 |
| 7 | Holden Financial Services, Inc | 94 Court St | (802) 388-4992 |
| 8 | The Richards Group | 152 Maple St UNIT 203 | (802) 254-6016 |
| 9 | Chipman Hill Property Services | 400 Halladay Rd | (802) 989-3857 |
| 10 | Bourdon Insurance Agency, Inc. | 48 Merchants Row | (802) 388-4837 |
Carter Insurance Agency, LLC serves the Middlebury, Vermont, area offering landlord insurance policies for residential and small commercial rental properties. The agency helps property owners find coverage that addresses liability protection and potential property damage from tenants or natural events. Leasehold improvements and loss of rental income during repairs are common considerations for local landlords. It handles policies for short-term vacation rentals and long-term residential units within the region.
Jim Soriano - State Farm Insurance Agent in Middlebury, VT provides a full range of landlord insurance products, including property damage coverage and liability protection for rental owners. The agency offers routine policy reviews to help ensure each client has appropriate coverage as their rental portfolio evolves. Services include guidance on securing income loss protection and customizable deductibles tailored to specific risk profiles. This landlord insurance agent works with owners of single-family homes, apartments, retail spaces, and restaurants.
Serving Middlebury, Vermont, and the surrounding Addison County communities, IPJ Real Estate provides landlord insurance agent services. It handles property coverage for residential and commercial rental owners, including protection against tenant damage and liability claims. To assess each client's specific property risks and local rental market conditions, the agency conducts a thorough review of the property's use, tenant turnover, and applicable Vermont regulations before designing a tailored policy.
Co-operative Insurance Companies in Middlebury, Vermont serves property owners, including landlords and property managers in the region, by connecting them with appropriate coverage for rental dwellings. It offers insurance policies designed to protect residential investment properties against common risks such as property damage and liability claims. The agency assists clients with understanding available coverage options and policy terms to help match each property’s unique needs. Its services extend to landlords in the surrounding areas, including the nearby town of Bristol.
Laberge Insurance Inc in Middlebury, VT, distinguishes between single-policy coverage for one-time rental situations and ongoing landlord protections that renew automatically. Coverage typically addresses property damage, liability claims, and loss of rental income for residential landlords. Local policies account for Vermont’s specific weather exposures and building codes. Service options operate on both a scheduled basis for annual renewals and as-needed basis for new property acquisitions or policy adjustments.
Direct Travel - Middlebury specializes in policies for residential landlords, offering property protection and liability coverage for rental dwellings. It serves property owners in the Middlebury area who lease single-family homes and small multifamily units. The agency handles routine policy reviews and adjusts coverage as seasonal renter turnover occurs. It also helps landlords address risks tied to winter weather damage, such as frozen pipes or ice dam claims on unoccupied units between leases.
Holden Financial Services, Inc in Middlebury, VT assists property owners with landlord insurance, including additional liability coverage for rental dwellings and protection against property damage from tenant occupancy. The agency also addresses loss of rental income coverage and legal expense safeguards common to local rental property management. The firm’s policies typically extend to commercial sectors such as multi-unit offices, storage warehouses, and food service buildings.
As winter snows bear down on Middlebury rental properties, the burden of upkeep and unforeseen damage pushes landlords to secure reliable coverage. The Richards Group acts as a local landlord insurance agent, helping property owners navigate policies tailored for Vermont’s seasonal climate. With experience in the region’s specific risks, the team focuses on matching each client with appropriate liability and dwelling protection. An initial on-site inspection of the rental property is arranged to assess current conditions and accurately structure the necessary coverage.
Chipman Hill Property Services provides residential landlord insurance for properties in Middlebury, Vermont, while also offering commercial coverage for multifamily and mixed-use buildings. The agency serves property owners throughout the region, helping them secure policies that protect rental income and liability exposures. Each policy is reviewed to match local building codes and tenant risks. After initial placement, the team follows up seasonally to adjust coverage as leases and property values change, ensuring consistent protection between regular annual or event-driven visits.
Bourdon Insurance Agency, Inc. in Middlebury, VT is recognized for its focused landlord insurance agent services. The agency assists property owners in protecting rental properties from local risks such as storm damage and liability claims. It offers policies that cover structural repairs, loss of rental income, and personal property in tenant-occupied homes. Understanding the unique needs of Vermont landlords, the agency can add on coverage for short-term vacation rentals, ensuring seasonal properties are properly safeguarded.
What Does a a Landlord Insurance Agent in Middlebury Cost?
The cost of landlord insurance in Vermont typically ranges from 25 to 50 percent more than a standard homeowners policy. For a single family rental in Middlebury you might pay between 800 and 1500 dollars per year. Costs depend on property value location rental type and coverage limits. This is general information and not insurance advice.
About landlord insurance agents in Middlebury
A landlord insurance agent in Middlebury Vermont helps property owners protect their rental investments. Vermont law does not require landlord insurance but most mortgage lenders do require it. Local agents understand the specific risks of Vermont properties including weather damage and liability issues.
Frequently Asked Questions
What does landlord insurance cover in Vermont?
Landlord insurance typically covers the building structure liability protection and loss of rental income. In Vermont policies may also cover damage from snow load ice dams and frozen pipes which are common risks.
Is landlord insurance required by law in Vermont?
Vermont state law does not require landlord insurance. However most mortgage lenders and property management companies require it. It is also strongly recommended to protect against liability claims and property damage.
How do I choose a landlord insurance agent in Middlebury?
Look for an agent who specializes in rental properties and knows Vermont insurance regulations. Ask about coverage for short term rentals if you use platforms like Airbnb. Compare quotes from multiple agents to find suitable coverage.