Clyburn Insurance

Landlord Insurance in Virginia

Experience easy access to affordable, high-quality Landlord Insurance in Virginia, Maryland, North Carolina, Tennessee and Texas with Clyburn Insurance.

Great Landlord Insurance Begins Here

Clyburn  Insurance | Insurance in Virginia

As a landlord in Virginia, your rental property is more than just an investment; it’s a responsibility. Whether you own a single-family home, a duplex, or a portfolio of properties, safeguarding your assets with the right insurance coverage is essential. Clyburn Insurance is here to help property owners across Virginia understand their options and choose the right landlord insurance solutions.

Landlord Insurance Virginia

What Is Landlord Insurance?

Landlord insurance is a type of policy designed to help property owners manage risks related to rental properties. Unlike a standard homeowners policy, landlord insurance typically provides coverage that reflects the unique challenges that can arise when leasing a home or apartment to tenants.

Depending on the policy, it may help with property damage caused by covered perils, potential legal fees, or loss of rental income after a covered event. At Clyburn Insurance, we work with Virginia landlords to identify coverage options that meet their specific needs.

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Why Do Virginia Landlords Need Specialized Insurance?

Renting out property in Virginia comes with a specific set of risks. From property damage and legal disputes to tenant injuries and loss of income, being a landlord involves more than collecting rent.

Landlord insurance can offer a way to help mitigate financial losses that result from unexpected incidents. While no policy can eliminate all risks, the right coverage can help Virginia landlords focus on maintaining their properties and supporting their tenants.

  • While each policy is different, many landlord insurance options may include several core protections:

    • Dwelling Coverage: Helps cover repairs or rebuilding costs if the structure is damaged by a covered peril.
    • Liability Protection: May assist with legal or medical expenses if a tenant or visitor is injured on the property.
    • Loss of Rental Income: If a covered event makes the property uninhabitable, this may help replace lost rental payments.
    • Optional Add-Ons: Coverage for furnishings in furnished rentals, vandalism, or building code upgrades may be available.

     

    Clyburn Insurance can walk you through each coverage area and help you explore endorsements that align with your property’s risks and usage.

  • Landlord liability insurance is an important component of your overall coverage. This portion of a landlord policy typically addresses incidents where the landlord may be held responsible for injuries or property damage experienced by others on the premises.

    For example, if a tenant slips on icy stairs or if faulty wiring causes a fire that affects a neighbor’s unit, liability coverage may assist with resulting legal or medical costs. In Virginia, where seasonal weather and aging infrastructure can increase risk, having this kind of protection can be an important consideration.

  • Virginia does not require landlord insurance by law. However, if you have a mortgage on your rental property, your lender may require you to maintain certain types of coverage. Even if it’s not mandatory, carrying a landlord insurance policy is a practical decision for many property owners.

    Beyond protecting the physical structure, insurance may help shield you from costly liability claims and financial gaps during tenant turnover or repairs. Clyburn Insurance can work with you to determine what coverage levels are suitable for your situation.

  • Many Virginia landlords assume that their standard homeowners policy will cover their rental property. Unfortunately, this is not usually the case.

    Homeowners insurance typically covers owner-occupied residences and may not extend to properties being rented out. Landlord insurance is designed with rental risks in mind and can offer protections that reflect that purpose.

    For example, damage caused by tenants or lawsuits stemming from rental activity may fall outside the scope of a homeowners policy. Choosing a dedicated landlord policy through Clyburn Insurance ensures you’re getting guidance based on how your property is actually used.

  • At Clyburn Insurance, we work with Virginia landlords who own a wide range of rental properties, including:

    • Single-family homes
    • Duplexes and triplexes
    • Small apartment buildings
    • Condominiums rented out to tenants
    • Vacation rental properties

     

    Whether you’re renting to long-term tenants or managing short-term vacation rentals, we can help you explore policies that align with your property type, tenant profile, and overall risk exposure.

  • There are several ways Virginia landlords may be able to reduce the cost of their insurance without sacrificing necessary coverage:

    • Bundling Policies: Combining landlord coverage with other policies such as umbrella insurance or car insurance may provide discounts.
    • Higher Deductibles: Opting for a higher deductible may reduce premium costs.
    • Property Upgrades: Installing safety features like smoke detectors, updated wiring, or security systems may make your property eligible for lower rates.
    • Regular Reviews: Periodically reviewing your policy ensures you’re not paying for coverage you no longer need.

     

    At Clyburn Insurance, we can help you compare multiple carriers and find a competitive rate that still provides the essential protection you need.

  • Clyburn Insurance is an independent agency based in Virginia, serving landlords across the state with personalized service and trusted advice. We understand the local rental market and the unique risks faced by Virginia property owners.

    When you work with us, you gain access to:

    • A wide network of insurance carriers
    • Experienced agents who know landlord liability risks
    • Personalized consultations to help tailor your policy
    • Ongoing support throughout the life of your policy

     

    We believe in helping our clients make informed decisions about their insurance, not just selling a policy.

Landlord Insurance Virginia

How Do You Get Started?

Getting a quote is simple. Reach out to Clyburn Insurance today to schedule a consultation. Whether you’re insuring your first rental home or expanding your investment portfolio, we’re ready to help you explore landlord insurance options that fit your goals.

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(757) 490-2346

2901 S Lynnhaven Rd Suite 250, Virginia Beach, VA 23452

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