Each state has basic rights for tenants, such as the right to receive
notice before landlord entry and the right to rent disclosure. To protect
yourself as a tenant, it’s imperative to know the rights you are entitled
to in your state. In addition to rights at the state level, there are
freedoms protected by the federal government upheld in the Fair Housing
Act. This act prohibits housing discrimination based on race, color,
national origin, religion, sex, familial status, and disability.
Tenant rights can vary a great deal from one state to another – some states
favor tenants, and some states favor landlords. No matter which state you
live in, you should have the right to a safe and habitable home. Moreover,
no landlord can legally retaliate against you. Why is it so important to
know your rights? Well, you could keep a questionable landlord from
illegally keeping a deposit when he or she doesn’t have valid grounds to
keep it. Not only that, but tenant rights keep you from facing an unfair
eviction or incurring charges that go against the rules in your state.
Before you sign a lease, make sure the language does not violate tenant
Every time you rent an apartment or house the landlord will require you to
take out a renters insurance policy. Renters insurance is relatively
affordable– most policies cost less than $20 per month, depending on where
you live. Nonetheless, the cost of renters insurance can still add up if
you’re not careful. There are a few ways you can save money on renters
insurance. First, you could bundle it with your car insurance – many large
insurance carriers offer this option. If you want to save even more money,
you could install an in-home security system or try to clean up your credit
score. Alternatively, you could just opt for a high-deductible policy.
Even though it doesn’t seem like a major expense, renters insurance is
important. Renters insurance covers the costs arising from the theft of
your personal property, water damage, natural disasters, and injuries.
Without renters insurance, you could be legally responsible to pay back
thousands of dollars in damages. If someone burglarized your home and took
all your valuables, you would be out the money. Although it’s not legally
required in most places, living in a rented property without renters
insurance is like driving a car without insurance – you’re putting yourself
and your assets at risk.