Tips for Choosing an Apartment

There certainly are a lot of benefits to apartment living. You are not tied to a single property for years, and you don’t have to save for a large down payment. Maintenance is low and major appliances are usually included when you rent. Apartment living can also provide access to amenities you may otherwise not be able to afford like a fitness center, pool or business center. If you are considering moving into your first apartment or another apartment, here are some tips to keep in mind.

• Consider what type of landlord you prefer. There are a choice of landlord types that can impact your relationship with them and how you are treated. You may find an independent property owner who manages his own apartments, or you may rent from a property management company who manages a large number of properties or a single complex or a community. There are benefits and drawbacks to both.
• Read online reviews. Sure, some previous residents may have axes to grind, but they are generally reliable.
• Carefully consider whether you really want a second floor apartment. This is important especially if you are moving yourself or with the help of friends and family. If they don’t have an elevator, think about hiring a professional mover, at least for the big stuff.
• If you have a roommate, ask for separate leases. You can avoid some messy and potentially costly situations if your landlord is willing to offer separate leases making each roommate responsible for their own portion of the cost.
• Ask about parking. Access to parking can be a big deal depending on where you rent. How many spaces do you get, and what is the parking situation for visitors?
• Take photos of your empty apartment prior to move in. This is particularly important if carpets aren’t particularly clean or if there is any damage you may be blamed for upon move-out.
• Each roommate should acquire renters insurance. Some landlords may even require this. Renters insurance can help protect you from theft of personal property and liability claims should a visitor or delivery person injure themselves on the premises. Your landlord will likely have insurance, but it will only cover his property, not yours.

The good news is that renters’ insurance is inexpensive and easy to get. Just contact one of our independent insurance agents for a no obligation quote.

Be smart about your next move. Think ahead and make sure you acquire renters’ insurance.