Renters Insurance

Protect your belongings on a budget.

Imagine that a faulty outlet causes an electrical fire that fills your apartment with smoke. Your landlord will repair the charred walls and wiring. But what about the smoke damage to your clothes and burn marks on the couch? Renters insurance protects you and the things that make your lease feel like home from common disasters. And it only costs a few dollars a month.

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Great rates on renters insurance from Virginia Farm Bureau. Get a free quote today.

What does renters insurance protect me against?

Fire or Lightning

Damage from electrical fires, kitchen fires, a candle left out or an iron left on, or a lightning strike that fries electronics and wiring


Stolen personal property including furniture, clothes, sports equipment, electronics, jewelry, and silverware

Vandalism or Malicious Mischief

Graffiti, broken windows, destroyed landscaping—almost any willful destruction or defacement of your property

Water Damage from Plumbing or Appliances

Busted lines to dishwashers, washing machines, and toilets that cause bubbled flooring, drywall damage, and appliance failure

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We cover more than you might expect. Ask an agent about all the perils you're protected against with Virginia Farm Bureau

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What Renters Insurance Can Include

A typical renters policy does more than take care of your belongings if they’re damaged. It also helps protect you from financial losses if you cause injury to someone else or someone else’s property. That keeps your bank account safe as well as your stuff.

Personal Property Coverage

This basic coverage insures your belongings if they’re damaged or destroyed by common disasters, such as fire or theft. Possessions stored away from home, like in a car or storage unit, are also covered.

Liability Coverage

If someone is injured at your rental house, or if you injure someone else or their property, liability coverage helps protect you from expensive legal fees and medical bills.

Medical Payments to Others

This covers necessary medical expenses if a visitor gets hurt at your home, even if it’s not your fault. Expenses might include an ambulance, x-rays, or an emergency room visit.

Additional Living Expenses

Some disasters can make your home unlivable until the damage is repaired. This coverage helps pay for temporary accommodations and things like food in certain situations.


If you’re the victim of theft, it’s hard to accept that your stuff is gone for good. Burglary and theft coverage pays to replace your belongings so you can get back to life as usual.

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Questions To Ask Your Agent

A standard policy covers your personal belongings, your liability at home and out in the world, and additional living expenses if something happens that makes your home uninhabitable. And there’s a full range of optional coverages for high-dollar items and unique situations. Renters insurance is also pretty cheap compared to homeowners insurance. Talk to your local agent about which coverages make sense for you.

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Because when it comes to covering your things, it’s important to first know what stuff you’re covering. And that means taking an inventory. If you’re wondering how to fill out a home inventory, we’ve got you covered

Home Inventory 101 for Virginians

How much coverage you need depends on what type of housing you have, your budget, and what you’re protecting. Nothing can help you nail down your options better than talking with an agent who knows your area and Virginia insurance. They can ask the right questions to help you assess how much liability coverage versus personal property coverage you need and more.

Article: What Kind of Home Coverage Do You Really Need?

Umbrella insurance isn’t only for the wealthy. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets. The amount of these policies varies based on what you’re protecting.

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