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Tenant recounts experience with 'compliance' renters insurance; housing trade says Virginia law already requires disclosures
Summary
A guarantor described repeated denials and higher cost when a campus apartment complex rejected a State Farm renters policy and imposed a higher‑priced compliance policy sold by a third‑party vendor.
A work‑group hearing on renter's insurance compliance policies featured a resident's detailed account of difficulties substituting a personally purchased renters policy for the complex's "compliance" coverage, and a housing trade representative said existing Virginia law already requires landlord transparency and acceptance of tenant‑provided proof of coverage.
What the resident told the panel - Ryan Donmoyer, who appeared as a guarantor for his daughter's lease, described repeated rejections of a State Farm policy by the apartment complex's compliance vendor, Assurant. Donmoyer said the complex continued billing the Assurant plan despite repeated corrections to the State Farm declarations page and ultimately refunded four months after…
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