Whether you rent in Norfolk, Chesapeake, Richmond or anywhere in between, you'll want to protect your rental property against theft and other kinds of damage. Your landlord insurance doesn't always cover all mishaps, which is why a reliable VA renters insurance policy is crucial. For over 85 years, Nationwide has been offering flexible insurance policies to fit the unique needs of our members. Learn more about our Virginia renters insurance discounts and get started on your renters insurance quote today.

Is renters insurance required in Virginia?

While renters insurance is not required by law in Virginia, some landlords may require it for you to live in their building. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance is not liable for any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

Virginia renters coverages and discounts
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Renters insurance coverage

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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Discounts on renters insurance rates

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of Virginia renters

Renting in Virginia Beach, Alexandria, Hampton and anywhere in between is great - but you need a Nationwide Virginia renters insurance policy that can keep up with your lifestyle.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

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What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

Location

The location of the rental property includes state and ZIP code.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

Deductible

The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

What to consider when getting renters insurance in Virginia

Virginia has had a history of hurricanes and floods for certain periods of time throughout the year. While renters insurance covers damage to property as a result of high winds, any damage as a result of a flood generally is covered under a different policy.

Get a free Virginia renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Virginia renters insurance quote today.

Nationwide coverage in Virginia

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[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.