There are plenty of perks to renting an apartment: community pools, workout centers, free maintenance, etc. Although your landlord will be quick to highlight many of the positive perks and requirements for renters, there may be a few things he or she might leave out. To get the most out of your rental, make sure you pay special attention to the following tips. Read the rest of this entry »
‘renters insurance’ Tag
Renters insurance: the unsung hero of apartment safety. If you don’t have renters insurance, you might want to think twice about how you’re protecting your apartment and all your precious stuff.
Why do you need renters insurance? Well, renters insurance is used to cover you if something happens to your apartment that costs you money. Of course, what your renters insurance covers really depends on the type of policy you get, but even having a little can be better than living in an apartment uninsured.
Still not convinced? Consider these four scenarios. Some are likely, some are silly, but all are perfectly good reasons to consider getting renters insurance.
Fire! Fire! Four-Alarm!
Let’s say your neighbor—we’ll call him “Bob”—is trying his hand at making Thanksgiving dinner for the first time. Deep-fried turkey is all the rage this year, and he’s decided to give it a try. What Bob doesn’t know is that you should never deep fry a frozen turkey because the combination of hot oil and cold bird can lead to splattered oil and a big, bad fire. Fortunately, you and Bob are both okay, but neither of your apartments were so lucky. Renter’s insurance can cover the damages to your belongings and the repairs to your apartment.
The Wrath of Your Landlord
Threatening phone calls, demands for money, reminders that if you don’t pay up there’ll be trouble– it’s not a scene from The Godfather, it’s just your landlord making sure you have renters insurance. Sometimes landlords require tenants to have renters insurance upon signing a lease. Not having renters insurance, or at the very least being unable to prove that you have it, could lead to hefty fines or even eviction. By getting renters insurance you can avoid wearing concrete shoes and sleepin’ with the fishes, see?
Lawsuit from a Friend-Turned-Foe
You’ve just moved in to your new apartment and your friend has graciously volunteered help you move your furniture and paint the walls. Unfortunately she’s a bit of a klutz, so she falls off the ladder and breaks her arm while painting a hard-to-reach corner. Even though you’re very concerned, she gets angry, and decides to end your friendship, stick you with all her medical bills, and sue you to boot. Renters insurance can give you liability protection, which could cover expenses within your liability limit like legal costs and hospital bills.
An Overexcited Bathtub Faucet
Some apartments are older than others, which means that some of their features can be a little… persnickety. Let’s say it’s been a long day, so you decide to run a bath and relax; however, once the tub is full, you discover that the faucet is stuck and the tub’s drain cover won’t budge. You’re forced to watch your floors get soaked as you call the apartment’s emergency maintenance team. Now your carpets are ruined, your shoes are sopping, and your downstairs neighbor is complaining about a dripping ceiling. Renters insurance can help cover those costs, which is especially helpful if the landlord’s policy doesn’t help you out with them.
Decide to Declutter
“Declutter my apartment!” has been on most apartment renters’ to-do lists since New Year’s. And here it is, already March! You shouldn’t wait until apartment moving day to discover lost and unneeded stuff. Start decluttering in simple little steps, room by room. Decide to declutter and don’t delay. Your roommates, pet, family and friends will thank you!
Organize with an Apartment Inventory
You might find your declutter project is easier with some apartment inventory software like Know Your Stuff, a great free application from the Insurance Information Institute. Not only will an apartment inventory help you figure out which Badfinger CD you’re missing from your collection, but it’ll also be a lifesaver if you ever need to make a claim on your renters insurance.
Our Apartment Decluttering Tips
- Decluttering doesn’t use a lot of brainpower. Declutter while watching TV or listening to music – it’s easy!
- Ask yourself, “When was the last time I used this?” The answer may surprise you. Why keep something bulky if you only use it every three years? Can you borrow one from a friend if you need it? Well, then, declutter it!
- Ask yourself, “Do I really need this?” Another popular decluttering question. You don’t necessarily need to find an apartment with more space – you just need to declutter.
- Tiny steps. Don’t tackle the whole apartment at once. Go room by room, or just tackle problem spots that you know will make a big difference.
- Declutter and donate. It helps to know that your decluttered stuff is going to good causes, whether it’s the neighborhood thrift store, the homeless resource center downtown or your best friend.
- Make decluttering fun. Put on some music that makes you want to dance and use that energy to dig through those piles of magazines, dirty clothes and gold bullion. (Okay, probably not the latter) If you have apartment roommates, set up a quick competition to see who can declutter faster or better. The worst declutterer has to clean the fridge!
- Decluttering can make for a good party. Get your friends to declutter their apartments too and bring all the stuff to one place for a white elephant party. Everybody goes home with something they like.
We hope your spring cleaning goes well! And of course, if you do decide that decluttering isn’t enough, find an apartment with the storage space you need at ApartmentSearch.com. You can earn up to $200 in renter rewards with us!