Is renters insurance required in Virginia?
Virginia state law doesn't require you to have renters insurance. However, your landlord or property management company may require you to get a renters insurance policy before they let you move in. Having coverage to protect your possessions may be a viable reason to consider taking out a rental insurance policy, even if it's not required. Virginia renters insurance policies are typically inexpensive and can protect you against covered perils that may result in financial loss.
Virginia renters insurance coverages
Check out the four standard coverages on nearly all Virginia renters insurance policies:
- Personal property protects your personal belongings, including furniture, clothing, and electronics.
- Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
- Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
For tenants renting apartments, condos, or homes, the best renters insurance in Virginia is always a policy with customized coverage limits. Here are some extra options for when you need more protection:
- Certain valuable items, like jewelry, art, and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
- Personal injury: May pay for legal fees and damages if you're liable for slander or defamation.
- Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.
Learn more about renters insurance coverages.
Common claims in Virginia
Weather-related damages are common in a state like Virginia, which has a significant amount of Atlantic Ocean coastline. Many parts of the state are susceptible to hurricanes and hard rain. Your Virginia renters insurance policy may pay for damaged personal belongings from a covered peril, up to your policy's limits (minus your deductible).
Hurricanes and hard rains can also make Virginia rental homes, condos, and apartments subject to flooding from rising water levels. While renters insurance doesn't cover damage from outside flooding, a separate flood insurance policy may protect your belongings against flood damage.
Discounts on Virginia renters insurance
Progressive offers several discounts to help lower the cost of renters policies in Virginia, such as:
- Quote in advance
- Pay in full
- Secured/gated community
See more of our available renters insurance discounts.
Progressive makes buying renters insurance easy. Use our Home Quote Explorer® tool to compare rates and coverages from multiple renters insurance companies.
How much is renters insurance in VA?
Generally, less than $1/day* is all you need to afford renters insurance in Virginia. Your actual cost will be affected by factors such as your location, coverage limits, and claims history. Learn more about renters insurance cost factors.
Get a Virginia renters insurance quote
Customize your coverages and limits when you quote online.
Call a rep
Talk to a licensed representative who can help you quote renters insurance.
Ask an agent
Connect with an independent agent in your neighborhood.