For housing near James Madison University, can a Virginia apartment require renters insurance while allowing the student to choose a separate policy?
DIRECT ANSWER
§55.1-1206(B) and (D); ordinary renters insurance is distinct from damage-insurance alternatives to a deposit. Source as of: 2026-10-16 Use cited page body and explicit policy period. A page update date does not extend an expired rate or deadline. Confirm current requirements and the actual student, employee, household or property circumstances with the cited authority. No property inventory or named professional is assigned by this answer.
Yes. A lease may require renters insurance, but the landlord must disclose the right to obtain a separate policy and accept written proof of maintained coverage. If the required separate policy lapses, the landlord can provide coverage and charge its premium until proof of reinstatement. No premium or personal-property coverage limit is supplied here.
Answer
Yes. A lease may require renters insurance, but the landlord must disclose the right to obtain a separate policy and accept written proof of maintained coverage. If the required separate policy lapses, the landlord can provide coverage and charge its premium until proof of reinstatement. No premium or personal-property coverage limit is supplied here.
Scope and verification
§55.1-1206(B) and (D); ordinary renters insurance is distinct from damage-insurance alternatives to a deposit.
Source as of: 2026-10-16
Use cited page body and explicit policy period. A page update date does not extend an expired rate or deadline.
Confirm current requirements and the actual student, employee, household or property circumstances with the cited authority. No property inventory or named professional is assigned by this answer.
Sources & verification
- Virginia Residential Landlord and Tenant Act Retained independently source-supported evidence for the stated question and qualifications
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