Why Do You Need Renters Insurance?

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For approximately the cost of a delivered pizza dinner each month, renter’s insurance can protect your personal belongings and save you from legal or medical expenses associated with an accident in your home. However, many renters believe that taking out the insurance is unnecessary or too expensive.

Here are some common misconceptions about renter’s insurance,

Myth #1: Very Little stuff which needs insurance coverage
If you think you do not have enough stuff to warrant a renters insurance policy then we suggests you go around your residence, room by room, and take full inventory of your belongings before making a decision. Most people usually only think of the big-ticket items, like electronics, but if you really think about it, it's so much more in that. For example, in your kitchen, it's not only the appliances, but the towels, dishes, utensils and food, too. We find that the average renter in a two-bedroom apartment has about $30,000 worth of stuff.
Along with evaluating how much your belongings cost, it's important to consider how much you personally value those items. In some situations, how much you care about your stuff may override cost in your decision to take out a renters insurance policy.

Myth #2: Your landlord will cover property damages
Occasionally, a landlord may partner with an insurance company to offer renters insurance to tenants, but more frequently, the insurance policies that landlords hold for their properties only protect the building itself. Even if the landlord owns appliances or other items within your rented home, he or she is not responsible for damages they inflict on your personal property. If you wanted coverage for lost expense, the landlord would not responsible for it. That would be part of renters insurance.

Myth #3: Renters insurance only covers your personal belongings
Accidents, such as a flood in your apartment, may damage other tenants' property and can be costly. Renters insurance can protect you from these situations and help cover those unexpected costs. For example, if your bathtub overflows and water seeps into the apartment below, damaging your neighbor's furniture or rug, your renter's policy will cover the damage up to your liability limits.
This liability protection can cover medical or legal expenses associated with your home. If you are entertaining at your home and, say, someone trips over a loose rug or injures his or herself in your apartment in some way, could you afford to pay the potential medical expenses associated with that, but in the event of a lawsuit, could you pay the legal expenses as well? A typical renters policy will cover that full range of risks that any renter could be exposed to.

Myth #4: Renters insurance is too expensive
Unlike car insurance or a typical home owners insurance policy, a renters insurance plan is not a large additional monthly cost. You are probably looking at about an additional $185 a year. For less than $20 a month, all your personal property is protected. Policy premiums can vary between individuals, providers and location, but as a whole, renters can expect to pay about 50 cents per day for a renters insurance policy.

However, even though renters insurance is less expensive than homeowners insurance, it could still become expensive if consumers are not careful, regardless of the policy type. You have to shop around. It is recommended that you call your state's insurance department and ask them to recommend the top five renters insurance providers in your state. Then give those places a call to get some quotes before making a final decision.


Checklist To Rent Off-Campus Housing Fast

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Still haven't found the place you're looking for and school’s just around the corner? Here’s a quick way to find the perfect rental home for the school year. We have compiled an apartment checklist to help you navigate the process, from start to finish of finding a home.

Here is your checklist to guide you through the process with questions and tips on what to look for during tours. You can take this printout along to remember all the information you need.


Checklist

Rent-Related Questions

1.    What’s included in the rent? 
2.    What utilities are included in the rent? 
3.    What’s the typical monthly cost of each of the utilities if not included in rent?
      Water: $ _____ . _____ 
      Heat: $ _____ . _____ 
      Electricity: $ _____ . _____ 
      Gas: $ _____ . _____ 

Questions Regarding Amenities

1.    Does the house/apartment have air conditioning? Y / N 
2.    What is the laundry situation and where are the machines located? 
3.    Are they shared by the entire building? Y / N 
4.    Is there a cost to use them? If so, what is the cost? $ _____ . _____ 
5.    Is the cost for both the washer and the dryer? Y / N (Keep in mind that this can become expensive!) 
6.    Is parking available? Y / N
7.    If yes, is there an additional cost? Y / N 
8.    What is the additional cost? $ _____ . _____ per month 

During a walk through, check:

1.    Check out lighting to see if there is there a good amount of natural light. You don’t want your electrical bill to be sky-high.
2.    Do locks work properly? You should feel safe when you are alone at night.
3.    Window quality -Are they old or drafty? This may affect the temperature inside!
4.    Check Faucets if they are leaky or are rusty and toilets are functioning properly.
5.    Check water pressure in the shower and the bathroom’s tile grout.
6.    Keep note if the walls are well taken care of or blotchy.
7.    Pantry and cupboard sizes - Do you have enough closet space - can you live with the size of the closet? storage space? 
8.    Check if the carpeting and flooring are clean and note any damage to them. 
9.    All appliances should be up to date and working condition. Check them all.
10. Front landscape and entryway should be well-maintained.
11. Check the location and number of outlets, noting both. Also, check to see if the outlets work! It can certainly help with your furniture planning.
12. Check if the air conditioning/heating systems work properly and ducts are clean.
13. Do neighbors seem friendly, courteous, trustworthy and easy to get along with?

Research

1.    Check safety of the location – Is it a safe neighbourhood? What is the crime rate? What kind of crimes occur. Car break-ins are very common.
2.    Convenience – Consider what you’d like to be near and map out if the places are located within walking distance.
3.    Is your campus easily accessible? – Can you get to your classes, the library and other campus locations quickly and easily when you need to? Is public transit close by and are transit stops sheltered for winter weather.

Questions Concerning Leasing Fees

1.    Are there additional fees for any of the following?
     —Signing the lease at a later date Y / N 
     —Administration processing fees  Y / N 
     —Subleasing fees Y / N 
     —Approval fees Y / N 
2.    Always trust your initial instincts - If something doesn’t seem right, go with your gut. It’s usually (or more often than not,) correct.
3.    See before you sign - Never sign a lease without visiting the property first. Students often regret doing so because the property is misrepresented either online, in writing or over the telephone. If for some reason you are not able to visit, have a friend or parent do so on your behalf before you sign.
4.    Your school may have resources - Some schools have lists of approved landlords, property management companies or properties that previous students have rented. Check with your college’s student affairs office to see which resources they have available.
5.    Consider renter’s insurance - Purchasing renter’s insurance can safeguard you just in case the unthinkable happens. It’s certainly up to you but it’s definitely worth considering!
6.    Read the lease - Take your time reading over the details and, if you need help understanding, do not be afraid to ask for help.


Be sure to visit our website to check our large selection of apartments and townhomes to find an affordable home that fits your needs and budget. 



Live Among Mature Surroundings At Creston Place

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Nestled in an excellent residential neighborhood of northwest Edmonton, Creston Place is a spacious townhome community with mature landscaped surroundings that spread over several acres. Landscaping is meticulously attended by a dedicated team of management and staff. Lawn maintenance and edging are done regularly and trees, shrubs and flower beds are well cared for. 

Creston Place is ideally located close to great local amenities with the Clareview Public Library and Recreation Centre, McLeod Community League and Londonderry Mall being just steps away from homes.
Creston Place is in the quiet, secure neighborhood of McLeod. It is a great place for singles, couples and young families with each home offering three levels of living space, one and a half bathrooms, brand new windows, and European styled cabinetry. Bathrooms have cultured marble counter tops and tub surround. Appliances include a fridge and stove with hookups for a washer and dryer. Homes also feature full basements, fenced yards, patios and one powered parking stall. 

So whether you’re looking for a 2 or 3 bedroom home, the perfect layout can likely be found at Creston Place by MHA Properties. One drawback might be that no pets are allowed in the development, however the plus side of that is the area is clean, sanitary and quiet. 

Visit our website to request a viewing today!


Love Thy Neighbour! How To Be A Good Neighbour

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We all know that our coworkers affect our work more than the work itself. Good colleagues can make or break any job. The same can be said about your neighbours. Being a good neighbour is something we all should take pride in.
Here are a few things to do or keep in mind to be a good neighbour:
Introduce yourself - While it might be awkward, introducing yourself to your neighbours is a great first step. As long as they know your name, it’ll be easier to say hi and make light conversation later on. Just ask a few basics, give a few details, and leave it at that.
Think like your neighbour - While you shouldn’t be directed by your neighbour’s schedule, it’s good to have a general idea of how and when they operate. If you know they work the night shift, maybe don’t have a loud party on a Wednesday afternoon.
Stay tidy and involved in the neighbourhood - Those around you will love you if your house looks great. (It helps make their looks great, too!) For example, keep your yard trim and well-kept, and external repairs up-to-date. Keep your neighbours informed on community events, like garage sales.
Do nice things - If you’re out shovelling or snow blowing, take the extra couple minutes and do their sidewalk as well. If you have an elderly neighbour, offer to clear their driveway. Being kind to your neighbours takes so little time but the reward of a friendly relationship is well worth it.
You want to blossom neighbourly relations; if there’s ever an emergency or something suspicious, you want a neighbour who has your best interest at heart.


Featured Property : Westland Park Townhomes At Fort Saskatchewan

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Situated on the shores of the North Saskatchewan River, only 17km (11mi) northeast of Edmonton, Fort Saskatchewan has an idyllic country-style setting with a convenient location, plus all the amenities of a big city. Fort Saskatchewan’s combination of a great community, recreational facilities, education, business and career opportunities are just a few of the qualities that make this a great place to live. 

Several large industries operate plants here, including Dow Chemical, which has given back to the community by establishing the Dow Centennial Centre, a popular venue for concerts and performances. Having been established by the North West Mounted Police in 1875, the community of Fort Saskatchewan is steeped in rich history! 

Westland park townhomes are located in the quite, secure neighbourhood of Pineview. Home layout offers 3 levels of living space and include 1 ½ bathrooms. Newly upgraded and freshly painted, we have suites that feature spacious living areas with beautiful luxurious carpeted floors throughout. The beautiful complex sits on 15 acres of beautifully landscaped lawns, stunning mature trees and colorful flower beds.  

Whether you’re looking for a 2 or 3-bedroom home, you are sure to find a perfect match at Westland Park Townhomes by MHA Properties. Each home has three levels plus a generous private fenced yard patio, storage shed and one energized parking stall. With lots of amenities like schools and Sportsplex Arena close by it is  perfect for you and your family. Sorry no pets allowed!

Visit our website to request a viewing today!

Ways to Make New Friends When You Move

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Moving to a new neighbourhood or a new city can be tough. When work, family, or relationships require us to pack up our things, relocate, and put down roots some place far from home, we have to work on building friendships all over again. And as adults with established histories, friendships, and professions, it’s often extremely difficult to reach out to strangers. Once we reach a certain age, meeting new people and forming new adult bonds doesn’t come as naturally as it did when we were young.
Whether you’re renting a home in a cozy suburban neighbourhood or you’ve relocated to a massive high-rise in an urban metropolis, getting to know the people closest to you doesn’t have to be as scary or challenging as it might seem.  Here are few tips to break the ice!!
Have the Right Attitude - First off, you’ve got to embrace the idea of welcoming new friendships into your life. This means projecting a positive, friendly, and outgoing demeanor that others will naturally respond to. If you’re living in a busy apartment building, remember to smile, make eye contact, and say hello to those you share the elevator, stairs, or lobby with. Making small talk is also a good way to break the ice and gets you one step closer to learning about someone new.
Accept Invitations and Attend Events -  If you’re asked to attend something — a dinner party, a casual drink, a game night, a cocktail party, or something similar — you should make every effort to show. Try to say yes to invitations you deem appropriate. Obviously, use common sense, and never accept an invitation from someone who makes you feel uncomfortable.
Be Visible-  In an apartment building, being visible means actually spending time in communal areas — games rooms, patios, pools, gyms, entertainment rooms, and so forth. It also means spending time on your balcony. For those living in houses, this means spending more time on your front lawn (or on your porch) than in the back. Sit out with a cold drink in the summer or invest time in a garden project. The more you’re seen around the house, the more chances you’ll strike up a conversation with a passerby and make a new contact.