A standard renters policy in Virginia covers an assortment of things, including but not limited to:
If your TV is stolen during a burglary or your living room sofa is wrecked by a covered risk, this coverage helps pay to repair or replace your belongings. In some cases, you're covered even if something is stolen or damaged away from home.
Say a friend slips on your floor and gets badly injured. Even if you're not liable for their injuries, renters coverage can help pay for their medical bills.
Additional living expenses
If a covered loss temporarily forces you out of your apartment, your coverage can help pay for incremental living expenses like meals and a hotel until it's safe for you to return to your place.
Sadly, there's always the chance you could be sued by someone you accidentally injured. Luckily, your legal expenses could be covered if an accident turns into a lawsuit.