Who regulates renters insurance in Virginia?

The Virginia Bureau of Insurance (scc.virginia.gov/pages/Bureau-of-Insurance) licenses carriers and agents and handles consumer complaints.

Does renters insurance cover coastal flooding in Hampton Roads?

No. Storm surge and flood damage are excluded from standard HO-4 policies. Hampton Roads renters should purchase NFIP renter flood policies at floodsmart.gov.

Can a Virginia landlord require renters insurance?

Yes. Virginia Code permits landlords to require renters insurance as a lease condition. The Virginia Residential Landlord and Tenant Act does not prohibit this requirement.

Does renters insurance cover theft in Northern Virginia?

Yes — theft of personal property is a covered peril under standard HO-4 policies. Off-premises theft is generally covered up to a sub-limit.

How do I compare renters insurance in Virginia?

Use naic.org for complaint ratios and verify carrier licensure with the Virginia Bureau of Insurance at scc.virginia.gov/pages/Bureau-of-Insurance.

Renters Insurance in Virginia

About 34% of Virginia households rent, concentrated in the Northern Virginia/DC suburbs, Richmond, and Virginia Beach. Hurricane wind and coastal flooding affect Hampton Roads and the Eastern Shore; nor'easters affect the entire Tidewater region. Many NoVA and Richmond apartment communities require renters insurance as a lease condition.

More Virginia guides

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Renters Insurance by state

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