Renters Insurance
Affordable protection for Virginia renters.
Starting as low as $5 a month (when bundled), renters insurance helps keep you financially secure.
Renters Insurance
Affordable protection for Virginia renters.
Starting as low as $5 a month (when bundled), renters insurance helps keep you financially secure.
QUICK QUOTES
Get a personalized renters insurance quote now.
QUICK QUOTES
Get a personalized renters insurance quote now.
What Renters Insurance Covers
What Condo Insurance Covers
Personal Property Protection
Covers your belongings, furniture, electronics, clothing, and more from perils like fire, theft, or water damage. Coverage may apply even when you’re away from home.
Family Liability Protection
Provides coverage if you or a family member accidentally cause injury or property damage and are held legally responsible—helping with medical bills, repairs, and peace of mind.
Guest Medical Protection
Pays for medical expenses if a guest is injured in your rental, even if you're not at fault.
Additional Living Expenses
Helps cover temporary housing, meals, or other costs if your rental becomes uninhabitable after a covered loss.
FREE GUIDE
Protect What Matters Inside Your Home
Even if you don’t own your home, your belongings and liability still need protection. Our Renters Insurance Consumer’s Guide, prepared by the Virginia Bureau of Insurance, will help you:
Understand what renters insurance covers (personal property, liability, loss of use).
Learn the perils covered, like fire, theft, vandalism, smoke, and water damage
Discover optional coverages such as replacement cost and sewer backup.
See how renters insurance can cover temporary living expenses if your unit becomes uninhabitable.
Know how much coverage you really need by inventorying your belongings.
What Renters Insurance Covers
Personal Property Protection
Covers your belongings, furniture, electronics, clothing, and more from perils like fire, theft, or water damage. Coverage may apply even when you’re away from home.
Family Liability Protection
Provides coverage if you or a family member accidentally cause injury or property damage and are held legally responsible—helping with medical bills, repairs, and peace of mind.
Guest Medical Protection
Pays for medical expenses if a guest is injured in your rental, even if you're not at fault.
Additional Living Expenses
Helps cover temporary housing, meals, or other costs if your rental becomes uninhabitable after a covered loss.
FREE GUIDE
Protect What Matters Inside Your Home
Even if you don’t own your home, your belongings and liability still need protection. Our Renters Insurance Consumer’s Guide, prepared by the Virginia Bureau of Insurance, will help you:
Understand what renters insurance covers (personal property, liability, loss of use).
Learn the perils covered, like fire, theft, vandalism, smoke, and water damage
Discover optional coverages such as replacement cost and sewer backup.
See how renters insurance can cover temporary living expenses if your unit becomes uninhabitable.
Know how much coverage you really need by inventorying your belongings.
Frequently Asked Questions
Is renters insurance expensive?
Not when bundled with auto, starting around $5 per month.
Do I really need renters insurance if I don’t own much?
The average renter owns around $30,000 worth of belongings. Even everyday items like clothes, electronics, or linens add up quickly.
What happens if my stuff is stolen outside my home?
Many renters policies cover personal property even when it's away from home, such as a stolen laptop from your car.
What if a guest gets hurt at my place?
Guest Medical Protection helps pay their medical costs, regardless of fault.
Does renters insurance cover where I live?
Renters insurance doesn’t cover the building structure—that’s your landlord’s responsibility. What it does cover is your personal belongings and liability, helping protect you from unexpected losses or accidents.
Is coverage required by law?
No, but your landlord may require insurance as a lease condition.
Does condo insurance cover floods or earthquakes?
No. These require separate policies, which we can help you explore.
What’s a "Personal Property Reimbursement" provision?
It first pays you for the replacement cost of damaged items (minus depreciation), then sends an extra check when you replace them, if the feature is included in your policy.
What if I have valuables like jewelry or collectibles?
You can add scheduled personal property coverage to protect items with higher individual value.
How and when do I file a claim?
Report your claim anytime via our agency, Allstate’s app, website, or call center. Be ready to describe what was lost or damaged.
How often should I review my policy?
Check your policy annually or after changes like a move or new purchases to ensure your coverage matches your needs.
Keep Your Things and Yourself, Protected
You may not own the walls, but everything inside is yours. With Tabetha Campbell Thompson Agency, renters insurance protects your belongings, your liability, and your lifestyle, so you can enjoy your home worry-free
Keep Your Things and Yourself, Protected
You may not own the walls, but everything inside is yours. With Tabetha Campbell Thompson Agency, renters insurance protects your belongings, your liability, and your lifestyle, so you can enjoy your home worry-free
© 2025 Tabetha Campbell Thompson Agency Inc. All rights reserved. Privacy Policy | Terms