Renters Insurance in Virginia Beach, VA

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Renters insurance in Virginia Beach, Virginia

Renters insurance is important if you're renting a house or apartment. It covers your rental unit — and the personal property within it — against a variety of perils, such as vandalism, wind damage, theft, or fire. Since these occurrences are fairly common, the affordable price of a renters policy, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

Renters insurance costs are dictated by many factors, including the building's age, its material constitution, its geographic location, and the pricing rules of your insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the additional risk.

The average yearly cost of renters insurance in Virginia Beach is $194.

Finding reliable renters insurance in Virginia Beach should start with a thorough comparison of the top renters insurance companies. Consult our breakdown of Virginia Beach renters insurance premiums to begin your search with as much background info as possible. Remember: rates will vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Virginia Beach

Renters insurance premiums in Virginia Beach depend on the insurer you choose. For instance, Erie offers the most affordable renters insurance in Virginia Beach, at just $125 per year. That's less expensive than the city's average cost of $194, providing a $69 discount on typical rates in the city.

Start your search for a renters insurance policy by reviewing the cheapest companies in Virginia Beach.

CompanyAverage Annual Rate in Virginia Beach
State Farm$167

Virginia Beach renters insurance pricing by coverage tier

The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Virginia Beach, the difference in annual premium between these two tiers is approximately $81. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Annual Rate in Virginia Beach
$25K Property$153
$50K Property$234

Tip: bundle your auto and renters insurance policies in Virginia Beach

If you’re looking to cut your insurance expenditures, carry your renters and auto policies under the same insurance company. Pairing renters and car insurance in Virginia Beach can lead to substantial savings. In fact, bundling renters and auto insurance leads to average savings of 4.4% on car insurance premiums. The auto insurance company offering the most affordable rate with a renters bundle is USAA, followed by GEICO and Erie.

Annual Bundle SavingsBundle Savings %

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