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

The Commonwealth of Virginia does not require that tenants in Luray to pay for renter’s insurance. However, our leases require that tenants obtain 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 rental dwelling. A landlord’s insurance policy protects the rental 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.