Are tenants in Harrisonburg required to buy renter's insurance?

The Commonwealth of Virginia does not require that renters in Harrisonburg to buy renter’s insurance. However, our leases require that renters obtain a renter's insurance policy to cover losses of the tenant's personal property due to theft, fire, tenant negligence, or if someone is injured at the property. An owner’s insurance policy protects the rental property from loss, but not the renter’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.