Fast & affordable landlord insurance in Virginia
Landlord insurance in Virginia protects rental property owners from property damage, liability claims, and lost rental income. Coverage levels and pricing vary depending on property characteristics. Get a quote for Virginia landlord insurance built for rental properties.
We've gotten more than $81 million in property insured in Virginia
What to know about rental properties in Virginia
Virginia offers a broad rental market that spans the high-demand Northern Virginia suburbs (close to DC), the Richmond metro, Virginia Beach and the Hampton Roads area, and university towns like Charlottesville and Blacksburg. About 34% of households rent statewide, but in the Northern Virginia corridor and in military-adjacent communities, that figure is significantly higher. The Commonwealth's diverse geography creates distinct rental submarkets, from Arlington County's transit-oriented developments commanding premium rents to Norfolk's military housing sector serving active-duty personnel and defense contractors.
Virginia's landlord-tenant laws are relatively balanced, with the Virginia Residential Landlord and Tenant Act governing the relationship. The state requires specific disclosures, has clear rules around security deposits, and outlines both landlord and tenant obligations. Eviction proceedings follow a structured timeline with mandatory notice periods. Security deposit limits reach two months' rent for unfurnished units. Lead-based paint disclosures apply to pre-1978 properties.
Weather risks include hurricanes and tropical storms along the coast, severe thunderstorms, flooding (especially in low-lying areas near the Chesapeake Bay and river systems), and winter storms. The Tidewater region experiences Category 1-3 hurricane impacts every 3-5 years on average. Flash flooding affects properties in the Shenandoah Valley and Blue Ridge foothills during heavy rainfall events. Ice storms can cause significant tree damage across central Virginia counties.
Who is landlord insurance for?
Landlord insurance (also known as rental insurance) is a policy for people who rent their homes to others. Landlord insurance is not required for a landlord, but insurance can bring many benefits:
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Properties we look after
We make it easy to get landlord insurance for many types of properties
We also help AirBNBs, VRBOS, and other rental properties
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Building data
Properties across the state vary in size and characteristics. Here is data on the properties we've insured.
Coverages
We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium
Riot & civil commotion
Protect your rental property from damage caused by riots or civil commotion. Steadily’s landlord insurance includes coverage for these rare but costly events.
Vandalism & burglary
Landlord insurance with vandalism and theft coverage protects your investment when criminal activity damages your property.
Loss of rent
Loss of rent coverage replaces your rental income during restoration, protecting your cash flow when tenants can't occupy the property.
Storm and hail
Storm and hail damage is one of the most common and costly issues landlords face. Proper insurance protection ensures your investment remains secure when severe weather events occur.
Water
Water damage is one of the most common and costly issues landlords face. Proper insurance protection ensures your investment remains secure when unexpected water events occur.
Legal liability
Proper legal liability insurance protection ensures your investment remains secure when unexpected claims and lawsuits occur.
Fire
Fire damage is one of the most costly and devastating events a property owner can face. Proper landlord insurance ensures you're protected when the unexpected happens.
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No hidden cancellation fees. Competitive rates nationwide.