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Best Renter's Insurance Companies in Hampton, VA

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hampton Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

70 West Mercury Boulevard, Hampton, VA 23669
WebsiteLicense: 137061 Rating

Review Sources

4.7 (31)
5.0 (7)
3.0 (2)

Why choose this provider?

Shelton Lucas is an insurance agent under State Farm and he provides his services to clients in Hampton and the surrounding areas. In addition to home insurance, he also offers renters' insurance. It gives protection to the client's personal belongings and covers losses that may result from various circumstances, such as accidents, theft, fire, vandalism, or loss of use. Lucas also deals with other insurance products, such as property, auto, health, life, and business insurance plans.

  • Multiple Carriers
  • Multiple Policy Types

400 City Hall Avenue, Poquoson, VA 23662
WebsiteLicense: 668130 Rating

Review Sources

5.0 (26)
5.0 (4)

Why choose this provider?

Susan Eacho is a State Farm insurance agent servicing the Hampton community. Since 2003, she has been providing renters' insurance plans for the protection of tenants' personal belongings such as computers, clothing, TVs, bicycles, and furniture. Identity theft coverage is also available as additional protection under the policy. Aside from resident relocation assistance, Eacho and her team also help small business owners with their business lines of insurance. Moreover, they specialize in health, life, auto, and pet insurance.

  • Multiple Policy Types

1547 East Little Creek Road, Norfolk, VA 23518
WebsiteLicense: 111124 Rating

Review Sources

4.0 (82)
5.0 (6)

Why choose this provider?

Gifford Insurance Associates Agency, Inc., is a family-owned and family-operated business serving clients in Hampton. The company has been helping renters secure insurance policies since its foundation in 1975. Along with renters' insurance, the team furnishes personal, commercial, life, and health insurance. They can also assist in obtaining SR-22 and FR-44. Gifford Insurance Associates Agency is a member of the IIAV. Its owner was a regional recipient of the Jefferson Award for outstanding volunteer service.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Shelton Lucas
70 West Mercury Boulevard, Hampton, VA 23669
Susan Eacho
400 City Hall Avenue, Poquoson, VA 23662
Gifford Insurance Associates Agency, Inc.
1547 East Little Creek Road, Norfolk, VA 23518


  • Is renters' insurance required in Hampton?

    No, renters' insurance is not required in Hampton. However, it is common for rental agreements to stipulate that tenants must carry one. Some landlords may specify not only the requirement of a policy but also a particular coverage amount. This insurance is essential for compliance with some rental contracts and protects the tenant's personal property. It also prevents personal liability for any necessary repairs or replacements.

  • How can residents of Hampton ensure they have enough renters insurance coverage for their needs?

    Residents of Hampton can ensure sufficient renters' insurance coverage by selecting a policy that provides full protection for the value of their personal belongings. Also, tenants can fully cover their possessions by customizing their renters' insurance policy. note that the policyholder's financial responsibility is limited to the deductible in the event of a claim.

  • What is the difference between actual cash value and replacement cost coverage in renter's policies in Hampton?

    Renters' policies in Hampton offering actual cash value coverage reimburse the depreciated worth of belongings at the time of damage or loss. Conversely, opting for replacement cost coverage ensures tenants receive the full amount needed to purchase new items, disregarding depreciation. This option incurs a slightly higher premium, but it generally proves to be a beneficial investment for renters seeking complete protection for their property.

  • What should renters in Hampton consider when choosing renters' insurance to ensure adequate coverage?

    When selecting a renters' insurance policy in Hampton, it's crucial to verify if it covers valuables like jewelry, electronics, and cameras, which may have specific coverage limits. It is essential to let the insurer know whether any business operations will take place on the rental property to make sure the business is properly protected. Renters should also consider additional protection against water and sewer back-up, which can be added to policies for an extra fee.

  • How can Hampton residents lower their renters' insurance costs?

    Residents of Hampton can lower their renters' insurance costs by evaluating and comparing multiple quotes, modifying their coverage levels, and inquiring about discounts. Insurers often provide various insurance products and may reduce premiums for clients who purchase multiple policies. For instance, combining auto with renters' insurance can lead to significant savings for policyholders.

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