Is your landlord out to get you? Many people think so, but the truth may be something else. There are a thousand reasons that someone might think their landlord is after them, or trying to do things that shouldn’t be done. Admittedly, there absolutely are a few bad landlords out there. But they tend to be a rarity, and there’s usually a better explanation as to why something happened.
Is your landlord out to get you? Probably not, but keep reading to be sure!
Is Your Landlord Out To Get You If They Require San Antonio Renters Insurance?
Nope. If anything, your landlord wants you to be protected. The renters insurance requirement means that you’re being required to carry liability which will defend you against claims and pay for losses caused by your negligence. If the apartment fire is your fault, your policy can respond so the landlord’s insurance company doesn’t have to sue you for what they pay out to fix the building.
In addition, it covers your personal property, because the landlord doesn’t! Many people still believe that the landlord’s insurance somehow protects their stuff, but the landlord has no insurable interest in your stuff so that can’t possibly be the case. They don’t own your property, and wouldn’t suffer if it were lost, stolen, or destroyed.
Is Your Landlord Out To Get You If They Warn You They Need To Enter For Maintenance?
Nope, that’s exactly what they’re supposed to do when it’s practical. They’re expected to give you a certain amount of written notice if they need to enter your apartment for maintenance, so long as it’s practical. If they need to change the filters in your air conditioning, they obviously have to enter in order to do that. However, that’s non-emergent maintenance so they can give you advance notice.
Maintenance can include both things you’ve requested and things that are necessary for the general upkeep of the building. If the landlord is aware that the seals on your sliding glass door need to be replaced annually in order to prevent leaks, they’re well within their rights to give you notice and do the work. If they didn’t do the work, there would be a leak and damage to the building which is never an acceptable outcome if it’s easily preventable.
Is Your Landlord Out To Get You If They Enter For Emergency Maintenance?
Probably not! Emergency maintenance is one of those things that just happens sometimes. If the float breaks in your toilet and it doesn’t stop filling, so water leaks out of the tank and into the downstairs neighbor’s apartment, that’s an emergency. The landlord needs to stop the problem and mitigate the damage. That obviously involves entering your apartment without notice. The same would apply if you live in a home converted to apartments and the breaker box for the neighbor is in your apartment – the landlord could well need to enter to fix a tripped breaker for them.
Certainly there are a few landlords out there who use the maintenance or emergency maintenance excuse to conduct inspections of for other inappropriate reasons. But chances are strong that your landlord is not out to get you just because they need to do some work on or in your apartment.
No, Your Landlord Is Not Out To Get You
As a matter of fact, the deal you have with your landlord implies that he doesn’t want to see you any more than you want to see him! He wants to collect the rent, preferably by mail or online so he doesn’t have to come to you. He wants you to live there responsibly and take care of the premises. The only time he wants to see you or hear from you is if there is damage or a problem with the apartment that he needs to fix. Then he wants to hear from you immediately so he can repair it and mitigate further damage or loss to his property.
Other than that, though, your deal with your landlord involves the two of you seeing as little as possible of each other, and your landlord likes it just fine that way – as do you, more than likely. He’s not out to get you by requiring you to have San Antonio Renters Insurance, or in any other way.
Besides, policies are cheap. If all you need is $100,000 of liability and basic coverage for your stuff, you’ll be amazed how little renters insurance costs in Texas.
The national average price of renters insurance is just $187.00, according to the III. That works out to as little as fifteen dollars per month. The vast majority of families can budget renters insurance easily at those prices.
Additionally, it's important to note that renters are at a significantly higher risk of experiencing loss than homeowners. Renters occupy roughly one third of total housing stock in the country, and yet they are fully fifty percent more likely to experience theft than homeowners, according to the Bureau of Justice Statistics.
It only costs a few dollars a month to protect your family, and this cheap renters insurance is a great way to mitigate the additional risks that come with being a renter.Often, coverage in Texas can be even less expensive than that!
There are a number of factors that go into the cost of renters insurance, so your best bet is to get a quote for yourself. It’s quick and easy. Just call (800)892-4308 or click to get covered - whether you need San Antonio renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
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