Are renters in Luray required to buy renter's insurance?

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

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