Are renters in Frederick County required to pay for renter's insurance?

The Commonwealth of Virginia does not require that renters in Frederick County to buy renter’s insurance. However, our leases require that tenants purchase a renter's insurance policy which pays for losses of the tenant's personal property due to theft, fire, tenant negligence, or if someone is injured at the property. A property owner’s insurance policy protects the property from loss, but not the tenant’s personal property if it is damaged, destroyed or stolen. Please contact your insurance agent to let them know that you are putting your property into service.