Studio apartments tend to be the smallest apartments with the cheapest rents in a given area. These kinds of apartment usually consist mainly of a large room which is the living, dining, and bedroom combined. There are usually kitchen facilities as part of this central room, but the bathroom is its own smaller separate room.
One-bedroom apartments have one bedroom that is a separate room from the rest of the apartment. There are two-bedroom, three-bedroom and other apartments. Small apartments may have only one entrance or exit.
Large apartments can have two outside doors with a door in the front and another in the back. The outside doors may be directly to the outside or to a common area inside. Apartments may be available for rent furnished with furniture or can be unfurnished into which a tenant usually moves in with his own furniture. Permanent carpeting is often included in an apartment.
Your renter's insurance policy will also cover your liability or damage you cause to others or their property. There are some things to consider when purchasing your renter's insurance policy:
1. Dollar Amount of Rental Coverage: This is an important factor in the price and coverage. A dollar amount is not placed on each piece of property, instead a fixed amount for all of your possessions will be determined. The more coverage you purchase, the higher the price of the policy.
2. Deductible: This would be important to consider in the cost and how much you are willing to pay out of pocket before your insurance kicks in. Insurance coverages subject to the deductible would be everything except liability coverages.
3. ACV(Actual Cash Value) or Replacement Cost: The insurance company will reimburse you for your stereo and TV what they give you is determined by these factors. A basic policy will pay you ACV, which is the value of the property at the time of loss. But, if you opt for replacement cost you will get an actual replacement. For example, your 5 year old stereo will be replaced with as much money as it would cost for you to purchase a new comparable stereo. Expensive items prone to theft such as jewelry and guns, only have limited coverage so it is wise to place these items on a separate policy. Replacement cost is well worth the small amount more it may cost for your policy.
4. Location and Previous Claims: If you rent in an area of high rental insurance claims, you will probably pay more for your insurance. Also, if you or the previous person or neighbors have had a large amount of claims, this may also raise the cost of your policy.
Although you may feel your personal property is not worth enough to insure, the value of having liability coverage is well worth renter's insurance. Remember, as with all insurance policies, check with your agent on specific coverages. Policies can vary between companies and states.
State and federal laws have been enacted to
ensure the equal opportunity in housing for all people.
The Civil Rights Act of 1866 prohibits all racial discrimination in the rental
of property. The Fair Housing Act declares a national policy of fair housing
throughout the United States, making illegal any discrimination in the lease or
rental of housing, or making housing otherwise unavailable, because of race,
color, religion, sex, handicap, familial status, or national origin.
There are other laws that also impact the lease of a home or renting an
apartment. Title III of the Americans with Disabilities Act prohibits
discrimination against persons with disabilities in places of public
accommodations and commercial facilities. The Equal Credit Opportunity Act makes
discrimination unlawful with respect to any aspect of a credit application on
the basis of race, color, religion, national origin, sex, marital status, age or
because all or part of the applicant's income derives from any public assistance
program.
In addition, state and local laws may provide greater coverage and prohibit
discrimination based on additional classes that are not covered by federal law.
As someone seeking to lease a home or rent an apartment, you have the right to
expect that housing will be available to you without discrimination or other
limitations based on race, color, religion, sex, handicap, familial status, or
national origin. This includes the right to expect equal professional service,
the opportunity to consider a broad range of housing choices, no discriminatory
limitations on communities or locations of housing, no discrimination in the
financing, appraising, or insuring of housing, reasonable accommodations in
rules, practices and procedures for persons with disabilities, and to be free
from harassment or intimidation for exercising your fair housing rights.
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