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2025

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Best Renters Insurance Companies in Richmond, VA

Our Recommended Top 10

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 Richmond renters insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

83Reviewed

53Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Renters Insurance Companies Serving Richmond
7400 Beaufont Springs Drive, Richmond, VA 23225
Visit WebsiteLicense: 140526

Expertise.com Rating

Review Sources

Google
4.0 (150)
Facebook
4.0 (26)
Yelp
4.0 (4)

Why choose this provider?

Kilgo Insurance serves clients throughout the state of Virginia, including Richmond, Midlothian, and Fredericksburg. The independent insurance agency offers a varied suite of insurance products, ranging from renters' insurance that includes tenant's premises liability to cyber liability insurance that covers ransom and cyber extortion. In addition, it employs insurance advisors who can assess a client's current financial situation and goals. Founder Jason Kilgo has over a decade of experience in the insurance industry. He also holds the CPIA designation from the AIMS Society.

  • Multiple Carriers
  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
3545 West Cary Street, Richmond, VA 23221
Visit WebsiteLicense: 906645

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (3)

Why choose this provider?

Damian Wright is an American National insurance agent who serves clients in the Richmond area. He offers a range of renters' insurance policies, which help protect clients' personal belongings from various theft, vandalism, and fire. The renters' insurance plans also provide temporary relocation, contents replacement costs, special coverage limits, and customizable coverage. He likewise handles insurance policies for farms, homes, and automobiles. Damian has been in the industry for over five years. American National was established in 1905.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
1415 West Main Street, Richmond, VA 23220
Visit WebsiteLicense: 1033619

Expertise.com Rating

Review Sources

Google
5.0 (141)
Facebook
5.0 (4)
Yelp
5.0 (2)

Why choose this provider?

Matthew Becker is a State Farm insurance agent who serves clients in Richmond. He offers renters' insurance, which covers policyholders' possessions and liabilities in the event of a loss. His Matthew Becker State Farm Agency also covers other types of insurance products and services for homes, recreational vehicles, antiques, motorcycles, and personal liability. State Farm Life Insurance Company underwrites life insurance and annuities offered by his agency. Matthew and his team have 30 years of combined insurance experience.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
1125 Gaskins Road, Richmond, VA 23238
Visit WebsiteLicense: 112177

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (1)

Why choose this provider?

Established in 1983, Cary-Wheeler Insurance is a locally owned and operated brokerage serving residents and businesses in Richmond. It offers an array of risk management solutions, including life and renters' insurance policies as well as coverage for classic cars, floods, and commercial entities. The brokerage is a member of the Richmond Breakers Networking Group. It also helped develop Responders First Home Source Program, a program that provides resources to help first responders with decisions involving residential real estate matters.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
510 East Belt Boulevard, Richmond, VA 23224
Visit WebsiteLicense: 592918

Expertise.com Rating

Review Sources

Google
4.0 (34)
Facebook
5.0 (3)

Why choose this provider?

Sweeney Insurance Agency, Inc., provides tailor-made insurance solutions to individuals, families, and businesses in Richmond and nearby metros. It examines a client's current situation then develops and implements a coverage that best suits their needs and long-term goals. It offers renters' insurance that covers personal properties in case of damage or loss due to fire, vandalism, theft, or falling objects. In addition, the company also assists tenants in acquiring family and guest medical insurance protection.

  • Multiple Carriers
  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
3535 Iron Bridge Road, Richmond, VA 23234
Visit WebsiteLicense: 111012

Expertise.com Rating

Review Sources

Google
4.0 (16)
Facebook
5.0 (8)

Why choose this provider?

Chesterfield Insurers is a family-owned business that serves Richmond and nearby areas. The multi-line agency assists clients in several areas, including renters' insurance which reimburses losses in case a policyholder's personal possessions get damaged or stolen. Its team of independent agents reviews plans from numerous providers such as Foremost Insurance Group, Progressive, and Travelers, allowing them to find coverages that match tenants' individual needs. Chesterfield Insurers, which also specializes in fire rescue insurance, started operating in 1960.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
5402 Glenside Drive, Richmond, VA 23228
Visit WebsiteLicense: 111764

Expertise.com Rating

Review Sources

Google
4.0 (54)

Why choose this provider?

Virginia Insurance Group, Inc., is an independent company that provides insurance products and services in the Richmond area. Its insurance specialists cater to families and individuals seeking renters' insurance plans, including personal items and liability coverages. They also assist clients in obtaining other plans such as homeowners', condominium, auto, commercial umbrella, and property insurance. Additionally, they work with Erie Insurance, Progressive, and Rockingham Insurance in creating customized coverages. Virginia Insurance Group has been providing insurance solutions for more than 35 years.

  • Multiple Carriers
  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
9001 Three Chopt Road, Henrico, VA 23229
Visit WebsiteLicense: 782068

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
4.0 (10)

Why choose this provider?

Leon Litz is a State Farm insurance professional who offers various risk management solutions for Richmond residents, including renters' insurance. This protection plan reimburses losses in case of theft, civil commotions, windstorms, fires, and water damage. Moreover, it covers additional living expenses. Litz, who has a background in public relations and business administration, has been working in the insurance field for 25 years. The English- and French-speaking agent opened his State Farm agency in 2010.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
9103 Quioccasin Road, Richmond, VA 23229
Visit WebsiteLicense: 102426

Expertise.com Rating

Review Sources

Google
4.0 (53)

Why choose this provider?

Able Insurance is a local and family-owned insurance company that has been serving individuals, families, and businesses in and around Richmond for 35 years. The company specializes in providing auto, home, life, and business insurance products to its clients. Its agents are also knowledgable in specialty insurance products, which include renters' insurance, SR-22 insurance, and FR-44 insurance. It also offers general liability insurance and workers’ compensation insurance for small businesses. The agency has two locations in Virginia.

  • Multiple Carriers
  • Multiple Policy Types

Best Renters Insurance Companies Serving Richmond
3711 Westerre Parkway, Richmond, VA 23233
Visit WebsiteLicense: 111306

Expertise.com Rating

Review Sources

Google
4.0 (33)
Facebook
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Listing Richmond as one of its service areas, Bacon Insurance Group is a family-owned agency that delivers personal and business insurance policies. It provides personal lines insurance options that include renters' insurance, homeowners' insurance, umbrella liability insurance, and automobile insurance. It also offers insurance policies that cover clients' motorcycles, boats, golf carts, and ATVs. It handles requests for commercial insurance coverages, including property insurance, workers' compensation insurance, and cyber liability insurance. Steve Bacon established the agency in 1997.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Kilgo Insurance
7400 Beaufont Springs Drive, Richmond, VA 23225
Damian Wright
3545 West Cary Street, Richmond, VA 23221
Matthew Becker
1415 West Main Street, Richmond, VA 23220
Cary-Wheeler Insurance
1125 Gaskins Road, Richmond, VA 23238
Sweeney Insurance Agency, Inc.
510 East Belt Boulevard, Richmond, VA 23224
Chesterfield Insurers
3535 Iron Bridge Road, Richmond, VA 23234
Virginia Insurance Group, Inc.
5402 Glenside Drive, Richmond, VA 23228
Leon Litz
9001 Three Chopt Road, Henrico, VA 23229
Able Insurance
9103 Quioccasin Road, Richmond, VA 23229
Bacon Insurance Group
3711 Westerre Parkway, Richmond, VA 23233

Richmond, VA Renters Insurance FAQs

  • Where can someone in Richmond seek further information on renters' insurance?

    Richmond residents seeking further details or have any questions about renters' insurance can consult with Virginia's Property and Casualty Consumer Services Section at the Bureau of Insurance. Assistance is accessible via phone at (804) 371-9185. They can also accommodate inquiries sent via email or traditional mail correspondence, with details available on their website.

  • What influences the cost of renters' insurance in Richmond?

    The price of renters' insurance in Richmond is shaped by local crime statistics, residential details, and the tenant's financial and insurance records. A Richmond dweller may face higher premiums due to the city's cost of living. Lower crime rates across Virginia might offset costs, while a solid credit score and minimal claim history could lead to favorable rates.

  • What should Richmond residents do if someone is injured in their rented home or if they inadvertently cause damage to a neighbor's property?

    In Richmond, a resident's renters' insurance policy provides personal liability coverage that safeguards them when they are legally responsible for an accident within their rented residence. This includes covering legal defense costs and any resulting judgments up to the policy's limit, as well as medical expenses for injuries sustained by non-household members under the 'medical payments to others' coverage.

  • When should a Richmond resident report to the police for renters' insurance claims?

    Renters in Richmond must promptly file a police report after a theft, vandalism, or break-in to the police for insurance claims purposes. Insurers may mandate such reports to investigate and corroborate the occurrence of a crime at the residence. Individuals should meticulously record all incident specifics and police contact information for insurance verification.

  • What could lead to a renters' insurance claim being rejected in Richmond?

    In Richmond, a renters' insurance claim may be rejected if it's submitted past the deadline, appears fraudulent, or if it lacks sufficient evidence. Another reason for claims being denied is if it involves damage not covered by the policy, such as losses due to negligence. Residents should file promptly and ensure all claim details are accurate and comprehensive.

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