An Essential Guide To Cover In Shared Rentals
- Author Al Callaghan
- Published November 12, 2010
- Word count 400
Living with others can be a lot of fun. However, it can also be a hassle. It leaves more of an opportunity for your valuables to be taken. You may not know everyone that's invited to your home, or a roommate might leave the door unlocked. Therefore, it is essential to find ways to ensure that your possessions are safe any time you live with others.
The first thing to do is check out home insurance kinds. Always make sure to read the fine print. Figure out if the policy will cover everyone, or if each person needs to get their own insurance policy. Also, determine whether the policy covers the whole house, or just your room. Be sure to check if fire, damage, and theft are included in the policy.
Always be sure to lock up. This includes both the doors and windows. When in a shared house, it might even be a good idea to install a lock on your bedroom door. Another good tip is to hide your valuables. Do not leave any valuables sitting near a window. They might be irresistible to a possible burglar.
If you happen to move into a furnished place, do a full inventory. Take note of any dents, chips, or damage that is already there. Then, let the landlord know so you will not be responsible for any of it later on. Not only that, but you should also ask for evidence. Get copies of safety certificates and keep the documents in a safe place. Along with the safety certificates, the safe place should also include a copy of the tenancy agreement, an inventory list, and the insurance policy.
Join a neighborhood watch program. These programs are great at warding off potential burglars. Not only that, but joining one may give you the chance to reduce your home insurance premiums. Also, perform regular up-keep to your yard. A tale-tell sign that a house is security conscious is one that has frontage that displays maturity.
A final piece of advice is to get an invisible ink pen, which will be inconspicuous. The pen cannot be seen unless it is viewed under an ultra violet lamp. Then, go around the house and write your name on all of the important items that you own. So, in the event that they are stolen, you will have a way to prove that they are yours.
Al Callaghan writes articles on money and personal finance news including where to find the best car insurance policy.
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