If you’re a college student, or just looking for a way to save some money, you’ve probably at least considered living with a roommate. Maybe you already have a roommate. Maybe you’ve even added that roommate to your Chandler, AZ Renters Insurance, though that’s a separate conversation. But can your landlord dictate how many people can live in your apartment?
You know that landlords aren’t allowed to discriminate against tenants due to number of family members. You can thank the Fair Housing Act for that. But there’s a small problem with hanging your hat on that one piece of law and not looking at anything else relevant.
Your local codes dictate the number of people who can live in a given space. Often, an apartment will be approved for a certain number of residents, or there will be codes such as no more than two adults per bedroom. The landlord can’t rent to you in violation of those codes, even if he wanted to. That’s got nothing to do with discrimination, of course, it’s about health and safety concerns.
Another place where codes come into play is that some areas stipulate that no more than so many “unrelated adults” may occupy a dwelling unit. We know of one woman who had an apartment with her husband and their child. The apartment was large enough they could have taken a roommate in to help with the bills, but the landlord wasn’t going to approve it because each group of unrelated adults counted against them. It pays to check your lease and local codes.
You may not be happy if a landlord tells you that you have too many roommates, but it may not be their fault. There are a wide variety of factors that play into that, and it can vary greatly with your location. One thing you should be aware of, though, is making sure that everyone that lives with you is covered under your Chandler Renters Insurance.
You could add your roommate as a second named insured, and that would work, but that also means that the claim check will come made out to both names. If they move out and you have a claim two years from now, do you want to hunt them down to sign the check? Do they still own part of the check, technically? Maybe.
You can endorse a roommate on with many underwriters, but that comes fraught with its own perils. The best thing to do is just have everyone in the apartment get their own renters insurance policy. Cheap renters insurance is the best solution to this problem. Everybody will usually end up paying around fifteen dollars a month, and each person has the coverage they believe they need.
When every roommate has their own policy, you’re also not worried about splitting policy limits. $15,000 of personal property coverage doesn’t go too far between three people, even if they’re all entitled to coverage under the policy. With separate policies, you’re sure that everyone has the coverage they think they need.
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