Renters Insurance

Protect the stuff you love. Wherever it goes.

When you rent, your personal belongings aren't covered by the landlord's insurance. You can protect yourself against theft, fire and certain damage when you purchase a Virginia renters insurance policy from Northern Neck Insurance.

Why renters insurance?

If you're unsure about your decision to obtain renters insurance, here are some benefits to be aware of.

• Affordable coverage: Renters' insurance is affordable. You can get the policy for a few dollars or less than a dollar a day, depending on the coverage you require and where you live.
• Protection for personal belongings: If your belongings get damaged or lost (in your rented home or while traveling) by the covered perils, you don't have to worry about the cost of repair or replacement. A renters insurance policy can cover several types of personal items, including furniture, electronics, clothes, computers, and jewelry.
• Liability coverage: If a delivery man slips and falls on your rented apartment or a guest gets bitten by your dog, a renters insurance policy can help you cover the costs resulting from their injuries.
• Protection for belongings while travelling: The coverage extends to your belongings wherever you go. The policy can compensate you for the losses if your covered items get lost or damaged while traveling, either in your car or hotel room.
• Additional living expenses coverage: If your rented home gets damaged, forcing you to relocate during repairs, the policy covers any other expenses you incur (accommodation and food) above what you would typically spend.

Essentially, renters insurance covers the insured personal belongings against the stated perils up to the policy's limits

Renters insurance discounts

Multi-policy discount

Purchasing a renters insurance policy qualifies for our NNINS multi-policy discounts. For instance, you can qualify for a 15% discount if you purchase an auto policy with a renters policy. The discount applies to policies existing at the effective date or within two months. 

Mature discount

At 50 or above, you're actively planning for your retirement. Every dollar you save goes a long way into building your retirement savings. At Northern Neck Insurance Company, we understand this and are committed to supporting your efforts. 

If you're 50 years or older on or before the renewal date, you can enjoy a 5% discount on the base premium on your renters insurance and channel the funds to other investments. Contact your agent to claim the discount. 

Paperless discount

Our paperless discount is another benefit you can take advantage of when you purchase our renters insurance online. You can activate the discount by visiting the member portal. Once on your profile, click Go Paperless to submit your policy documents. The only exception to electronic document delivery is those you should mail as per the state regulations. Alternatively, you can contact your agent.

Protect the stuff you love!    

Virginians Helping Virginia Renters

Why should Northern Neck Insurance be your choice for your renters insurance coverage in Virginia? Because we’re just like you: We’re Virginians. We provide specialized and tailored Virginia insurance coverage to our members, because we know the type of protection that’s needed when you live in our Commonwealth.

But specialized and extensive coverage shouldn’t mean your renters insurance policy breaks your budget. Our team of Virginia-specialized insurance agents work with you hand-in-hand to make sure that not only your renters coverage protects you and your possessions, but also that you’re not paying too much for the coverage you deserve.

Pick a base plan:

 ^{*Ballpark price – Actual premium may vary depending on location and coverages; minimum annual premium of $150.}