Baltimore renters insurance is important in a city with over six hundred thousand people. Overall, Baltimore is a safe city, but like any city, things can happen. You can protect against fires, thefts, water damage, and other risks by having Maryland Renters Insurance. While the median household income is only $39,000, that’s skewed significantly downwards because of the presence of many college students who either don’t have a household income, or work part time while in school.
When you talk about renting an apartment in Baltimore, or getting renters insurance in Baltimore, it’s important to make the distinction whether you mean the independent city itself, or the surrounding Baltimore County. Both are commonly referred to only by Baltimore, but there can be vast differences not only in housing prices in Baltimore County, but also in the level of risk that your renters insurance in Baltimore is taking on. While it’s cheap either way, a policy in, say, Parkville, might run a few dollars less per year than a Baltimore City policy.
On the other hand, Baltimore county extends north as far as the state line and offers opportunities for a different lifestyle as well as substantial financial savings. It’s a perfectly reasonable commute to live anywhere in “the county” and work in Baltimore. It’s also surprisingly not as bad of a drive as you might expect. If you live in the northern parts of Baltimore County, you’ll find your commute is generally smooth sailing in both directions north of about Shawan Road (just before the Expressway merge with the Beltway).
Traffic is likely south of (or on) the Beltway, but that’s a smaller part of most commutes from Baltimore County. Renting an apartment farther north can be easier, and is almost always far less expensive. The difference in the cost of rent more than makes up for the few extra minutes of driving as well as the cost of gas, even at today’s prices. But if you need that urban environment, apartments in Baltimore City are plentiful, varied, and often reasonably priced relative to the size of the city.
What happens if you’re taking in a Ravens game and your apartment is robbed? Without renters insurance in Baltimore, your landlord has no responsibility for your personal property. On the other hand, you could have everything stolen replaced quickly and without paying out of pocket if you had a policy. Since many of the apartments in the area are converted rowhouses or single family residences, you have to remember that your neighbors can have an impact on you.
If your neighbor upstairs has a pipe break, or isn’t paying attention when their child overflows the toilet, the water damage to your personal property isn’t the landlord’s problem. All he has to do is put the unit back the way it was, he doesn’t have to make sure you’re in the same position. This is another loss that’s more common and devastating than you might expect, but could be covered by Baltimore renters insurance.
On average, renters insurance in Baltimore City or Baltimore County will cost you about fifteen dollars a month. For that fifteen dollars a month, less than half the cost of a dozen steamed crabs, which go for about $32.00 a dozen! That works out to about $180.00 a year, which is less than what a bushel of steamed blue crabs would cost, at $245.00.
How do you get renters insurance in Baltimore? Call Effective Coverage. Your needs will be reviewed, and your policy will be assembled with care to give you the best coverage at the best price.
Renting In Baltimore ,Maryland
Baltimore, also known as Charm City, is known for many things. The Inner Harbor offers shopping, dining, and historical experiences. Fort McHenry is a great destination for a day trip, too. There’s the aquarium, and you can’t forget Philip’s while you’re at the Inner Harbor. It wouldn’t be Baltimore if you didn’t take some time to enjoy the local blue crabs. If you prefer crab cakes, there’s the Corner Stable just up the road in Timonium, with sixteen glorious ounces of crab cakes.
Baltimore is also known for its Beltway, I-695, and not all of the memories of that road are kind ones. I-95 runs right through Baltimore, and you can either take one of two tunnels under the Harbor or use the Beltway across the Key Bridge to get across the water. But be careful choosing an apartment too close to the Beltway. Chances are strong that it’s a dense residential area, which means dense traffic.
Towson is a suburb of Baltimore where many people rent at communities such as Fairways At Towson. It’s technically Baltimore, by the address, but it’s just outside of the city proper. A short ride on the JFX gets you into the city proper, and it’s a popular place to live for both students and professionals.
Baltimore student apartments are quite common, as there are several top tier schools in the city. Johns Hopkins student apartments are often located on Charles Street for convenience to campus, for instance. Towson University student apartments are located in, well, Towson, of course. University of Maryland Baltimore County student housing tends to be a bit more spread out.
Many apartments in Baltimore are located in homes that have been converted into multiple units. These are generally inspected by the city, and often are just as safe, secure, and modern as any apartment complex might be. The rental market in Baltimore is actually a bit soft at the moment, as many higher income professionals have moved north to Pennsylvania or Harford County, MD and commute every day. This leaves a few more apartments than might usually be available.
In Baltimore, and everywhere else, never put a security deposit down with someone you haven’t met. Chances are they’ve taken the same deposit from about twenty other people, and likely don’t own the property to begin with. This is a common Baltimore rental scam, but it’s an easy one to avoid. Make sure you’re dealing with the owner, property manager, or their appointed agent.
The area around the Beltway exit for Old Harford Road is full of apartments, mostly of the converted single family or townhouse variety. Don’t forget about Parkville, as well. Renting in Baltimore doesn’t have to be complicated, but the one thing it absolutely requires is Baltimore renters insurance.To find out how Effective Coverage can protect you, and how affordable it is, just call (800)892-4308 or click to get covered - whether you need Baltimore 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.
What's Your Style?
- Do You Need Coverage ASAP? Check out the fastest way to buy renters insurance online and get covered in just 60 seconds!
- Do You Feel Like Talking About It? Just call Effective Coverage and a renters insurance expert can help you get great coverage in minutes.
- Do You Need Some Time Alone With Your Thoughts? We understand, which is why we created the Maryland Guide To Renters Insurance.
- Just Want To Watch A Movie Together? See our video guide below.