A list of Insurers is available at Student Legal Services. Your landlord is also insured, and if the loss you suffer is caused by the landlord's error or neglect, his carrier may cover a claim. You should not rely on this. Subleasing Virtually all leases which a student encounters in the Charlottesville area are for twelve months. Since most students are here for only nine months, they often consider subletting their premises.
Tenants have no absolute right to sublet.
Most leases contain a clause setting out the conditions under which you may sublet. If you violate these conditions, you are in breach of your lease and can be evicted. A written sublease agreement will avoid problems later. Copies of sublease agreements are available at the offices of Student Legal Services. Also, collecting a security deposit from the tenant helps to protect you if the subtenant reneges or damages the premises.