Tag Archives: renters insurance

How to Reduce Stress while Apartment Hunting

apartment

1. Make a list of your needs.

Know what kind of budget you’re working with, what kind of amenities you need and what you’re willing to go with out – and what you absolutely can’t.

2. Prepare your paperwork and your bank account.

Organization can make your life easier when things get hectic.

  • Three Recent Pay Stubs
  • Landlord reference or letter
  • Photo ID

3. Do some research

Make sure you know what kind of neighborhood you’re about to move into. Is it safe? Put in the address on http://www.watchdog.com and call the local sheriff’s office to see what the crime in like in the area.

4. Don’t be afraid to be thorough. 

Don’t be afraid to check the plumbing, open closets, ask about typical utility bills, or inquire about any potential pests or problems like leaks. Often agents will rush you through a showing and into a decision. Take your time, take pictures, and ask any questions that you feel are important.

5. Bring a trusted friend.

A trusted friend can be an important source of support during the apartment search. 

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Facts on Renter’s Insurance – What Every Renter Should Know

In a survey, 52% of millennials said they don’t have renters insurance because they (wrongly) believe their landlord’s insurance will cover their personal property.

Don’t be fooled into thinking that you’re covered under your property’s policy or that someone else will take care of the damages if it isn’t your fault.

KEEP YOURSELF PROTECTED!

Advantages of renter’s insurance—

  • Renter’s insurance covers more than stolen property

In addition to liability protection and reimbursement for stolen property, renter’s insurance provides coverage for damage caused by fire, lightning, smoke, windstorms, hail, and vandalism. Renter’s insurance also will cover your living expenses if you have to relocate during repairs.

  • Without renter’s insurance, you face liability

Renter’s insurance can help cover your legal costs and the injured person’s medical bills, but without it, you’re on your own. Personal liability protection covers unintentional bodily injury as well as property damage.

A small fee could keep you from big penalties for not having renter’s insurance in emergency situations. Prepare for the unexpected.

Check out more facts about renter’s insurance here!

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What To Check Before Signing Your Lease

A common mistake we usually make is not to read a contract before we sign. Obtain a copy of any rules and regulations, make sure you go through everything and before you sign the lease, check to see if these are mentioned:

  • The beginning and the expiration date
  • The rental price and information about your security deposit
  • What are the reasons for which your landlord can terminate your lease contract
  • Are there any penalties for moving out of your apartment before the expiration date?
  • Are there any responsibilities on your head for repairs and such?
  • Is subletting allowed ?
  • See if you have to buy renters insurance, because it will increase you total cost
  • Is there a policy about guest visitors?

Check out more facts about renting an apartment here!

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