Are your competitors spending less on their employee medical claims?

You’ve decided that renting is your best option. Moving into a rented space comes with its own responsibilities and obligations. Remember, you will live in a space that you do not own, even though you are responsible for its upkeep.

As you prepare to move into a rented space, you have many different tasks to undertake. By keeping meticulous records of your move, you can better take control over your rental. Your move is an appropriate time to note your responsibilities and the insurance risks you will assume at move in.

1. Get the correct insurance

Renters insurance is a very important aspect of any move. This type of insurance can cover your personal belongings, liabilities and damage risks within the rental. Renters insurance can help you cover different expenses should you experience a peril.

Renters coverage is often quite affordable. Price is no excuse to skip out on coverage. Indeed, many properties require their lessees to carry minimum levels of renters insurance. Doing so can help protect both the property owner and the renter.

2. Take stock of your personal belongings

One component of renters insurance is that it usually covers some or all of your personal belongings. 

Your rental insurance agent will likely ask you how much your personal property is worth. Your estimate will go in your renters insurance policy. If you lose your belongings in a covered peril, you may be able to get back the cost of these items.

It is important before you move that you take note of how much you think your personal property is worth. You should make sure you include all expensive or valuable items in your valuation.

3. Look over your property

Each rental property comes with its own insurance risks. That’s why you often have a certain level of liability and property protection in your insurance.

Many rental properties require their tenants to complete certain move-in checklists. These allow renters to take note of small problems within the rental. This can often help renters free themselves from any existing problems that may become worse as time goes on. Therefore, if there is a small problem, you likely won’t be stuck with the blame in case of a problem.

Additionally, use this time to take note of any potential safety risks within the rental. If you take the time to address risks up front, you can reduce your liability risks later.

By taking care of your rental risks as you move in, you can be better prepared as time goes on. Stalwart Insurance Agency is here to help you get the Pittsburgh renters coverage you need to protect your rental’s assets. Get in touch with us at (412) 677-2312 for more information.
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