Obtaining renters insurance is a must if you are renting any type of a rental home or apartment. A homeowner has an insurance policy to protect their dwelling, the structure and interior, this does not cover your belongings or issues that may occur directly caused or affected by you.
Purchasing average renters insurance coverage is relatively inexpensive at around $300 per year. Be sure to read and understand your policy to ensure adequate rental home insurance coverage of your personal belongings, and renters liability insurance if someone falls or is injured or if there is damage done at the property that is determined to be your responsibility.
Check several companies for quotes on tenant's insurance and be sure to write down and photograph your belongings at the beginning of your policy. The insurance company should provide a list of basic personal items as a reminder so nothing is missed. Also, determine if your policy has current value or replacement value for lost, stolen or damaged items in your rental home.
Actual cash value is the actual cash value or replacement cost at the time. What an item may sale for at the time of loss. Replacement cost minus depreciation.
Replacement Cost is just as it sounds. What is the cost for replacement at the time of loss? What is the cost for replacement at the time of loss? The premiums for replacement cost are a bit higher than actual cash value.
Know and understand the difference and how each one of these policy types could affect you. The cost for each is virtually the same in price. Make sure you obtain the coverage that best suits you. Remember, the homeowner or property manager carry insurance but none have coverage for you or your personal belongings. You must purchase your own rental home insurance coverage.
For additional information on this and other renting articles please visit our web site at http://www.mrpmrentals.com/
Mountain Ridge Property Management
Your Property Management Source
Tuesday, October 27, 2009
Sunday, October 18, 2009
Mail Identity Theft
Finding your letters, boxes and bank statements scattered across the county is a reminder to keep a close eye on everything coming in and out of your mailbox.
Mail often contains personal information about you and your personal finances. Thieves snatch the mail and sort through it to get credit cards, social security numbers, bank statements, checks or other personal information for mail identity theft.
Tips to avoid becoming a victim of mail identity theft: Never place outgoing mail in your curbside mailbox. Use a Post Office box for collection.
Mail often contains personal information about you and your personal finances. Thieves snatch the mail and sort through it to get credit cards, social security numbers, bank statements, checks or other personal information for mail identity theft.
Tips to avoid becoming a victim of mail identity theft: Never place outgoing mail in your curbside mailbox. Use a Post Office box for collection.
- Pick-up your incoming mail as soon as possible after it is delivered. If that isn't possible, consider renting a post office box. Use a locking mail box that is bolted down Never mail money through the mail. If you are on vacation, call the U.S. Postal Service to request a vacation hold on your mail or visit the post office or mail service business filling out a hold mail card. Check your credit report regularly. Credit reports can be accessed three times per year free of charge.
Check with Experian Credit Services for a rapid response in obtaining your next report Ask that your checks be delivered to your bank instead of your home. Carefully review your financial statements on a regular basis for possible errors and/or identity fraud. Review these documents monthly if possible. Shred all documents containing personal information before throwing them away. Notify your local post office and anyone you do business with of an address change. If your mail has been taken, reporting theft to your local Police Department and notify your property manager. For additional information on this and other renting articles please visit our website at
Mountain Ridge Property Management
Your Management Source
Sunday, October 11, 2009
Getting Ready for a Smooth Move
1. Set aside items for sale
When packing sort out and get rid of items you don’t need. Tag and organize them for a garage sale. Keep things organized and be flexible on prices. You will sell these unnecessary items and pocket the cash.
2. Types of boxes
Purchase large and small boxes. Pack by weight with heavy items in small boxes and light items in large boxes, marking each box with the room it belongs in. All boxes will be close to the same weight when completed packing. Also, purchase the needed packing materials before packing begins. Wrapping paper, bubble wrap and various sized boxes and don’t forget tape.
3. Packing dishes
Purchase packing boxes meant for dishes. Plates should be packed by standing them vertically. Never pack plates in stacks; they will crack due to weight. Standing them vertically will keep all the weight off of the plates.
4. Paintings and photographs
Don’t pack items on a moving truck that are irreplaceable. Take them with you if at all possible. But if you do, remember to pack blankets or rugs around them for additional protection. Remember, to purchase renters insurance after relocating to your new home.
5. Learn your new address
Write your new address including city and state along with the new phone number on each box. Call the new property management company if you have forgotten this information. They should also provide utility company phone numbers making your move easier.
6. Keep the phone book
Keep your current phone book. You may need to make calls to friends, family or businesses in your old town. Also, keep your rental lease and all contact information for your current property management company. Put this information in a safe place along with all receipts for payments made for your relocation, deposits, and utility hookups. If there are questions, you will have that information in an easy to locate place.
7. Life’s necessities
Upon arrival at your new rental home you will have only what has been packed in your moving truck. Unless of course, you are prepared with the necessities. Items for the kitchen and bathroom. Pack the items you will need in the kitchen such as coffee, paper towels, can opener, paper plates and cups. Also, what essentials you will need in the bathroom. Toilet paper, shampoo, deodorant.
8. Sleeping is the best
If you have your essentials unpacked then it’s off to make a place to sleep. You need sheets, blankets and towels. These items can be packed in your car and easily unpacked upon arrival.
9. The refrigerator
After cleaning the refrigerator, place a sock full of coffee, baking soda or charcoal, inside to keep the interior smelling fresh. Remember, to do this whenever the fridge is closed and the fan not running.
10. Light bulbs
Remove all light bulbs before packing the lamps. Store the bulbs in boxes that are made for light bulbs to prevent damage and or breakage.
11. Computer
Let the computer sit in the house. The computer needs to warm up to room temperature before plugging in.
Enjoy your new town and rental home.
For additional information on this and other renting articles please visit our website at http://www.mrpmrentals.com/.
When packing sort out and get rid of items you don’t need. Tag and organize them for a garage sale. Keep things organized and be flexible on prices. You will sell these unnecessary items and pocket the cash.
2. Types of boxes
Purchase large and small boxes. Pack by weight with heavy items in small boxes and light items in large boxes, marking each box with the room it belongs in. All boxes will be close to the same weight when completed packing. Also, purchase the needed packing materials before packing begins. Wrapping paper, bubble wrap and various sized boxes and don’t forget tape.
3. Packing dishes
Purchase packing boxes meant for dishes. Plates should be packed by standing them vertically. Never pack plates in stacks; they will crack due to weight. Standing them vertically will keep all the weight off of the plates.
4. Paintings and photographs
Don’t pack items on a moving truck that are irreplaceable. Take them with you if at all possible. But if you do, remember to pack blankets or rugs around them for additional protection. Remember, to purchase renters insurance after relocating to your new home.
5. Learn your new address
Write your new address including city and state along with the new phone number on each box. Call the new property management company if you have forgotten this information. They should also provide utility company phone numbers making your move easier.
6. Keep the phone book
Keep your current phone book. You may need to make calls to friends, family or businesses in your old town. Also, keep your rental lease and all contact information for your current property management company. Put this information in a safe place along with all receipts for payments made for your relocation, deposits, and utility hookups. If there are questions, you will have that information in an easy to locate place.
7. Life’s necessities
Upon arrival at your new rental home you will have only what has been packed in your moving truck. Unless of course, you are prepared with the necessities. Items for the kitchen and bathroom. Pack the items you will need in the kitchen such as coffee, paper towels, can opener, paper plates and cups. Also, what essentials you will need in the bathroom. Toilet paper, shampoo, deodorant.
8. Sleeping is the best
If you have your essentials unpacked then it’s off to make a place to sleep. You need sheets, blankets and towels. These items can be packed in your car and easily unpacked upon arrival.
9. The refrigerator
After cleaning the refrigerator, place a sock full of coffee, baking soda or charcoal, inside to keep the interior smelling fresh. Remember, to do this whenever the fridge is closed and the fan not running.
10. Light bulbs
Remove all light bulbs before packing the lamps. Store the bulbs in boxes that are made for light bulbs to prevent damage and or breakage.
11. Computer
Let the computer sit in the house. The computer needs to warm up to room temperature before plugging in.
Enjoy your new town and rental home.
For additional information on this and other renting articles please visit our website at http://www.mrpmrentals.com/.
Sunday, October 4, 2009
Advertising Your Rental on the Internet
Today’s home rental websites are set up to not only provide descriptive textual advertisements but also a visual ad with a variety of color photos of the rental property. Photos, virtual home tours, mapping with driving directions, email, text messaging and phone for rapid connection to the owner or property manager are common amenities used in marketing rental properties. With this type of on-line advertising the renter has a clear picture of the property including the requirements for renting prior to contacting the landlord or property management company. These types of advertisements connect more qualified tenants to a property than any other type of advertising or marketing medium available today.
Many sites provide landlords or property managers the option of uploading their rental application along with their rental advertisement. Allowing potential renters to fill out and send it directly to the property manager a completed rental application. Allowing for a rapid connection between the renter and landlord. this results in more signed leases at a higher rental rate. Check your local rental market for home rental advertising websites. Rental owners and property management companies are marketing their vacancies on the websites that advertise in local and state markets. Posting rental ads on local or state websites puts your advertisement in the location of your rental property and where most renters reside or perhaps relocate to. Tenants moving to your location or across the country are more likely to search local or state rental markets first since they have already chosen their state and city. Searching a national site takes more time and provides far less appeal to many serious renters searching in today’s rental marketplace.
Check the internet for local rental websites and review the information required to develop a complete advertisement. This type of marketing allows more information to be provided than a local newspaper can allow. For the first time, write down the property details along with taking several photos. Developing additional information and photos allows you to make as many changes to your marketing details without incurring additional cost.
For additional information on this and other renting articles please visit our website at http://www.mrpmrentals.com/
Mountain Ridge Property Management
Your Boise Home Rental Source
Many sites provide landlords or property managers the option of uploading their rental application along with their rental advertisement. Allowing potential renters to fill out and send it directly to the property manager a completed rental application. Allowing for a rapid connection between the renter and landlord. this results in more signed leases at a higher rental rate. Check your local rental market for home rental advertising websites. Rental owners and property management companies are marketing their vacancies on the websites that advertise in local and state markets. Posting rental ads on local or state websites puts your advertisement in the location of your rental property and where most renters reside or perhaps relocate to. Tenants moving to your location or across the country are more likely to search local or state rental markets first since they have already chosen their state and city. Searching a national site takes more time and provides far less appeal to many serious renters searching in today’s rental marketplace.
Check the internet for local rental websites and review the information required to develop a complete advertisement. This type of marketing allows more information to be provided than a local newspaper can allow. For the first time, write down the property details along with taking several photos. Developing additional information and photos allows you to make as many changes to your marketing details without incurring additional cost.
For additional information on this and other renting articles please visit our website at http://www.mrpmrentals.com/
Mountain Ridge Property Management
Your Boise Home Rental Source
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