Renters Insurance in Virginia

Here at Cary-Wheeler & Associates Inc., we offer a variety of different insurance types, renter’s insurance being one of them. We are located in Richmond, VA for those who are interested in obtaining a renter’s insurance policy for either their house or apartment. There are over 900,000 renters that live in the state of Virginia, whether that be near the city, ocean, or mountains. Renters insurance should be one of your biggest priorities when renting out a new home to help keep you protected from unexpected accidents.

Renters Insurance Laws

Renters insurance is not mandatory in the state of Virginia unless the landlord requires it. If the landlord requires all tenants to obtain renters insurance, tenants must abide by these rules. Even if the tenant does not require you to have insurance, you as a tenant can still take advantage of this policy. Normally, most landlords just require written notice.

Renters Insurance Policies

Renters insurance will cover many different things such as:

Smoke damage
Fire
Theft
Wind damage
Water damage
Visitor injuries
Vandalism

You can also rest assured that electronics, appliances, furniture, clothing, and even damage to someone else’s property will be covered under renter’s insurance policies.

You can take advantage of:

Personal property coverage- This coverage will make sure that all your personal belongings are secured if damaged by fire or even theft. Belongings kept in your car or even storage units are also covered under this policy.
Liability- This policy will make sure that injured persons are covered. This includes people that are injured on your property or if you injure someone else on their own property.
Medical payments- This policy is good to have because it takes care of all medical costs if any visitor were to get hurt while visiting your home. You will still be covered if you were not at fault.