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What to Know as a First-Time Renter

If you’re moving into a place of your own for the first time, the dos and don’ts of renting can sometimes feel overwhelming. What happens if your fridge breaks? Should you tackle that sink clog or leave it for the landlord? Is renting even the right choice for you? And what about renters insurance tips to make sure all your stuff is protected?

While you’ve probably always had someone in your life to remind you to clean out the lint trap in the dryer or to please not pour bacon grease down the kitchen sink, you’re on your own now. Yes, it might be nice if Mom and Dad could periodically stop over to check the smoke alarm batteries or tighten that doorknob, but it’s not always possible.

That’s where we can help. We’ve compiled our best advice for first-time renters. If you have additional questions, take a look at our renters page or contact your local ERIE Agent. Until then, here are some topics to get you started:

  • How to Budget for Your First Apartment: Rent? Utilities? Security deposits? Find out exactly which kinds of expenses you can expect as a first-time renter.
  • 9 Reasons Why Renting is AwesomeHere’s the truth: It’s OK that you haven’t bought a house yet or may not ever. Renting can be awesome, especially when you’re just starting out. Need proof? Our blogger gives you her completely (un)scientific list.
  • 7 Things to Know Before Signing a Lease: While moving out of your parent’s home and into your first apartment is exciting, there are a few things you should know before signing the dotted line.
  • How to Steer Clear of Apartment Rental Scams: With more people renting, rental scams continue to pop up. Knowing how rental scams work and how to avoid falling for them goes a long way when it comes to protecting yourself. Here's how.
  • 5 Things to Tell a New Renter: All good landlords should share these tips with tenants, but in case they forget, we’ve got you covered. 
  • 6 Ways to Master a Move: Sure, you know to lift with your legs. But what about whether your stuff is insured in that moving van you rented?
  • 8 Maintenance Hacks Every Renter Should Know: While most rental agreements include a landlord who takes care of your major maintenance worries, there are a few things you can do to keep service calls to a minimum and protect your security deposit in the long run.
  • Who is Responsible for Repairs: Are there ever times when you would be responsible for making repairs to your apartment rather than your landlord? Double check this article in case you find yourself with a necessary repair. 
  • 8 Sustainability Tips for Renters: There are lots of ways for tenants to show love to Mother Earth.
  • What is Renters Insurance and Why do I Need it?Everything you own has value, and most people actually underestimate the value of their things. That could leave you under protected. We can help you figure it out.

Most importantly, we’re here for you as you take this big first step. Check out our renters page for more information or to request a quote, and always feel free to check-in with your ERIE agent

Don’t forget to ask about a multi-policy discount, too. If you insure a vehicle and have a renters policy, you could qualify for a discount. See, this adulting thing isn’t going to be so bad after all.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.