Rental houses are your home, and you make them your pride and joy. You also want to feel safe in a rental home. Your personal safety, and the safety of your belongings is paramount.
Many security responsibilities come with a rental property. You have to safeguard your own property. You also have to maintain the security of the home that another person owns.
Renters insurance can usually protect you from perils, theft and damages. However, you should do all you can to keep the property safe in the first place. When you prepare to move into a rental property, keep these security tips in mind.
Before you move in:
- Know how much rental insurance you need. Your landlord or local laws may require certain minimal coverage amounts of rental insurance. Appropriate coverage levels will protect your belongings and the home from perils.
- Find out in advance what security systems are in the home. If the home has an automated security system, ask your landlord to teach you how to use and access it. Know who the security system provider is, and if your landlord pays for the system upkeep.
- Learn about your surroundings. Find out about potential perils and security threats that exist in the area. You can take steps to prevent those threats from becoming reality.
- Learn who handles security in the local area. Keep the contacts for local emergency services like police and fire departments on hand.
While living in the rental:
- Build trust with your landlord. Ultimately, the landlord is the owner of the property. A good rapport between tenant and owner can improve your security. But, if you believe that your landlord is behaving dishonestly, don’t compromise your security. Take action immediately.
- Always know when there is going to be maintenance on the house. You should know when outside vendors are coming into your home. If your landlord schedules maintenance, request that he or she notify you in advance of any work.
- Secure your belongings in the home. Always lock up, arm your security system when leaving and lock away electronics. Negligence in these practices could cost you a home insurance claim later.
The best way to protect security and maximize your renters insurance coverage is vigilance. Always get the security information you need before moving into the home.
If you need renters insurance, Primar Insurance Brokers can help you find the right policy. We can help you determine how security features affect rates. If you have questions, call us today at 773-665-2315.