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Renters Insurance Virginia

Insuring What's in the Box with Contents Insurance

by Leon Belenky

If you think about your Virginia apartment like a box, the entire concept of content insurance will make a lot of sense. Picture a really nice wooden box, if you will. The box belongs to a business owner, who happens to let you rent it in order to store your most valuable items. Both you and the Virginia business owner are required to insure your parts of that box and its contents. You will insure what's inside the box, and the owner will insure the actual box. So if a fire destroys both the box and the contents, then both insurance policies will kick in. If the Virginia box is broken into and its contents are stolen, your insurance will cover the theft. If a thief takes a sledge hammer to the walls of the box but doesn't steal any of its contents, then the owner's insurance will cover the damages.

See how it works? This is exactly what happens with content insurance for Virginia apartment renters. However, things can get a little messy if, for instance, the contents of the box damage the box itself. If you, as a renter, are negligent enough that your property - an animal, a burning candle, or an overflowing tub - damages your apartment, you'll need your insurance policy to cover the damages for the Virginia landlord, which is why many landlords actually require their tenants to have renter's insurance.

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