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Renters Insurance and why it’s important.

The Importance Of Having Renters Insurance

While owning a home is still a very big part of the American dream, more people in today’s world are renting rather than buying. The reasons for this are numerous, such as wanting to save up enough money before purchasing a home, liking the flexibility to pick up and move quickly if needed, and other various reasons. However, one thing we’ve discovered along the way is that while over 95 percent of homeowners have insurance, less than 40 percent of renters choose to purchase insurance to protect themselves and their belongings. With home ownership in the U.S. at a 51-year low, we can’t stress enough the importance of having renters insurance. If you’re still on the fence and wondering why this type of insurance is important, here are seven benefits associated with renters insurance.

Additional Living Expenses Coverage 
One thing we have discovered over the years here in Redding and other areas is that when people are displaced from their rental property due to a natural disaster, fire, or other related reason, they often scramble to find another place to live. But for those who have renters insurance, this becomes a far easier process. Since renters insurance covers what are known as “additional living expenses,” it will provide reimbursement for hotel costs or renting another apartment.

Medical Expenses for Guests 
If a guest is injured while at your apartment, renters insurance will pay for the medical expenses up to the policy’s limit. To be safe, we recommend buying a policy that has a limit of between $1,000-$5,000, which is a typical range for these policies.

Damage Caused by Children 
Even if you have the most careful kids in your apartment, we know accidents are bound to happen. This is another advantage of having renters insurance since it offers liability insurance that covers various injuries or property damage caused by children or other family members. So if your child accidentally breaks a neighbor’s rare and expensive antiques, renters insurance will cover the costs.

Property Managment repair check list.

 

Legal Costs If You Get Sued 
In our opinion, we feel as if this is one of the most important benefits renters insurance provides. This kicks in if someone is injured at your apartment, or if you accidentally hurt someone are sued. If you have a policy, it will pay legal costs and court awards up to the policy’s limit. While you can choose the amount of liability insurance when you buy a policy, most limits on these policies begin at $100,000.

Dog Bites 
A common problem in many households, a dog bite issue can become a legal nightmare if you aren’t protected by insurance. Therefore, we highly recommend all renters in Redding purchase renters insurance that offers coverage in the event your dog bites someone at your home or off your property. However, when purchasing a policy, be sure to carefully check the fine print, since some policies limit coverage or even exclude this aspect of coverage. Renters insurance can help if your dog bites someone while you are renting.

Coverage of Possessions 
Even if you don’t feel the stuff you own is worth very much, we still believe you should purchase renters insurance. After all, even if you have to replace your wardrobe, some electronics, or furniture, the costs can add up very quickly. However, if you purchase renters insurance, you’ll have coverage for anything that is considered to be “in your possession.” By that, the policy means not only any property you own but also any you have borrowed or rented.

Off-Premises Coverage 
While most people realize renters insurance covers things actually inside their home, we’ve found the vast majority of renters don’t realize these policies also provide what is known as “off-premises” coverage. With this aspect of a policy, personal belongings that are not in your home are covered to a certain extent, which is usually limited to a percentage of total coverage for personal belongings, which is often 10 percent. Therefore, if you leave something in your car and a thief later breaks into your vehicle and steals it, or if you are staying in a hotel and have your luggage or other items stolen, you’ll have insurance coverage already in place.

How to Shop for Coverage 
Once you decide to purchase renters insurance, we have a few suggestions you should follow. First, decide how much coverage you need before examining policies. Next, purchase enough insurance to cover your belongings, and also make sure your liability limit is high enough to protect your property and savings in the event you get sued. Finally, make sure you get quotes from multiple insurance companies. By doing so, you may find you’ll be eligible for a substantial discount, especially if you purchase renters insurance through the same company with whom you have car insurance. By thinking things through, you’ll have peace of mind while renting in Redding.

Rental Approval Next Steps

Rental Approval whats the next steps!         Rental approval stamp

Congratulations, the rental approval process has begun! After all the waiting and hoping the home is finally yours. Here is what happens next, just take five! That is five steps, of course.

These five rental steps will provide insight and knowledge to ensure your move-in day goes as smoothly as possible. Here, at Authority Property Management we hope to give you the best rental experience starting from the application process all the way to the day you hand us keys for your move out.

Step 1: As soon as you receive our phone call letting you know of your approval of the desired rental property, one of the first things we will mention to you is joining our Online Tenant Portal. The Portal will be one of your most helpful tools while renting with us. You may be asking yourself why it would be helpful, I will explain more about the Portal later on.

Step 2: Shortly after we discuss the online portal, we will then move on to communicating with you about the deposit and the holding deposit form. This form and the deposit money secure the rental property to your name. It is removed from our advertising and also keeps you accountable for leasing the property. For as much as it commits you to the property, it also keeps us liable to you. We, as a company, can no longer seek to find future tenants for the property. We are committed to you for the particular property. One of the most common errors we see here is when future tenants get the holding deposit form and the lease mixed up. Although the form does close the deal, the lease provides greater in-depth information about obtaining the property.

Step 3: A very important part of renting a home with us is transferring the utilities in your name. We take care of the hard work for you by finding the utility providers for the home and supplying the number to call, all you have to do is simply make the phone call and “WALLA” it is complete. By transferring the utilities in your name you are promised to not walk into a cold and dark home.

Step 4: Let’s take a look back at Step 1, and discuss what all the Online Tenant Portal in tells. You can access the portal by visiting our website – authoritypm.com. Located at the top bar you will notice a box entitled Tenants, here is where you will find access to the portal. Once on the portal, you will notice four sections which include, Your Current Balance, Your Lease Agreement, Address, and Maintenance request. It is recommended to familiarize yourself with the portal. It is a very helpful tool that can assist in many ways if there happens to be a time that we are unable to get a hold of.

Step 5: Stay true to your move-in date. It is very important that we receive an accurate move in date so we can prepare and be ready for you to pick up your keys. We strive to be as helpful as possible while assisting you with excellence. When we receive a secured move in date we are busy behind the scenes making sure to have your future home ready for your arrival.

Now that you have been informed of our – five-step rental approval process, you will be pleasantly surprised with how well your move-in process will become! If you ever have any further questions regarding your move-in process we will be here, ready to assist you.

Happy  Rental Approval Day!

Find a Rental Home In Redding CA.

Rental home in Redding CA. with the sky in the back ground. How Do I Find A Rental Home or Apartment in Redding, CA?

When you’re in the market for a new place to call home, you discover the process can be time-consuming and difficult if approached the wrong way. Unfortunately, the vast majority of people think finding a new rental home to rent involves running all over a city, trying to make appointments with landlords who have many other things to do with their time. As a result, not only does it take longer to find a home, but you may find yourself not getting the best possible deal. However, for those looking for rentals in Redding, they know the company to deal with is Authority Property Management. With our motto “We Make Renting Simple,” we do everything possible to do just that with each and every client. Since we believe in treating our clients and properties with the respect they deserve, there’s no doubt you’ll be able to find the perfect rental home for your needs. Therefore, if you’re ready to look for a home for rent with us here at Authority Property Management, here’s how to do so.

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How To Find A Tempory Home That Allows Pets.

The Know-How To Finding Your tempory Pet-Friendly Tempory Home

We don’t handle Airbnb but get asked a lot of questions about tempory housing. This blog post covers some aspects of Airbnb you might want to consider if you have pets.

When you are faced with a situation where you need to rent a home or apartment for a short period of time, it is not always easy to find the right place. When you add to the issue that you have a beloved pet that you cannot leave behind, the situation seems impossible. (more…)

Budget Effectively

CREATING AN EFFECTIVE BUDGET AS A TENANT

Are you are currently looking into renting a house or apartment in Redding? Do you have a budget determined?  Will this be your first time living on your own? If so, it is essential that you understand that when you move into a rental house or apartment, you will be required to take on certain financial responsibilities as a tenant.  These financial responsibilities will include rent payments and utility payments. You will need to ask the landlord upfront how much rent and utilities will cost, and then determine whether or not you can afford those payments before you commit to the rental property. The best way to determine whether or not you can afford to live in a certain rental house or apartment is to create an effective budget upfront.  Creating an effective budget is important and aids in your ability to have a great relationship with your landlord and a great experience as a tenant.   Budget

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Relationship tips

How to have a positive relationship with your Landlord

Positive landlord relationship tips
Having a good relationship with your landlord is very important when it comes to moving into a new rental home or apartment. No one moves into a new place wanting to experience disconnection, disrespectful communication, or major conflicts with their landlord.
Unfortunately, these things do take place between landlords and tenants. Sometimes it is intentional, but most of the time, it is unintentional. Intentional meaning, a tenant knows what his or her responsibilities are and how he or she can best respect his or her landlord, but he or she intentionally choose not to and it causes a conflict. Unintentional meaning, a tenant may not be aware of his or her responsibilities or how he or she can best respect his or her landlord, and so he or she unintentionally does not take care of certain responsibilities and it causes a conflict. If you are a tenant who desires to have a good relationship with your landlord, we would like to help you prevent conflicts with your landlord by making you aware of your responsibilities and how you can best respect your landlord. As property managers in Redding who have over twenty years of experience managing properties all over Shasta County, we would like to offer you ten ways that you can honor your landlord.

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Security video doorbell

Ring: The Newest Trending Security Item

Security Application
According to Ring, over 1 million burglaries occur every year in the United States. When it comes to the security of your rental properties, it is better to be safe and invest in security and surveillance systems than to take the chance of becoming one of these statistics. And we have good news for you. If you are still looking for a Christmas/New Year’s gift to give to your tenants, Ring’s Video Doorbell is the newest trending security gift and is a gift that both you and your tenants will appreciate.


Ring’s Video Doorbell is exactly what its title says it is. It an electronic device that replaces a traditional Doorbell, not only become the Doorbell for the house but also becoming a security surveillance system for the front porch and front yard, all due to its built-in camera and motion detector. Ring’s Video Doorbell notifies tenants and property owners when someone is on the property and allows tenants and property owners to see and speak with anyone at the front door. While traditional security systems trigger once a break-in has occurred, Ring’s Video Doorbell prevents break-ins from happening in the first place.


Another amazing fact about this doorbell is that tenants and property managers can get notified and can see and speak to people outside of the home even when they are not home. Whether they are eating out at a nice restaurant or shopping at the local grocery store, tenants and properties owners can still see and speak to people at the front door, giving them the appearance that they are actually home.


The motion detecting feature in Ring’s Video Doorbell is also incredible. Tenants and property owners can set the radius for how far out they want the Doorbell to detect motion, and if anything enters that radius, they will get notified on their electronic devices that there is motion inside the parameter. Security video


If you’re looking for a gift to give to your tenants or are simply looking for great security options for your rental houses, Ring’s Video Doorbell is an incredible option. If you would like more information on security for your rental properties, or if you would like to hire a property manager to manage your rental properties and take tasks like security out of your hands, give us a call at Authority Property Management! We are property managers in Redding and have done property management in Redding and Shasta County for over twenty years and we would love to serve you in any way we can! Give us a call at (530) 410-6085.


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Disabled-Friendly Rentals

Disabled-Friendly Rental Searches Made Easy

Searching for the right rental home or apartment can be stressful, even more stressful if you are trying to find a rental home or apartment that caters to a person who is disabled. If you have been having a difficult time trying to find that perfect rental home or apartment that accommodates someone who is disabled, we would like to offer you some tips and property management tools to help relieve stress from your search process.

1. ASK THE RIGHT QUESTIONS – Before deciding to go look at a rental, make sure to call and ask the right questions to make sure that the rental you are interested in actually meets the standards of what you would want and need for a person who is disabled. It can be stressful and exhausting to go look at rentals that have been labeled disabled-friendly only to find out that a lot of what you would need really isn’t there. Some great questions to ask are: How low are the counters in the kitchen and in the bathrooms? Are they low enough for someone who is disabled? Does the bathroom have grab bars around the toilet, bathtub, and shower? Is the floor carpeted and if so, is the carpet low enough for a wheelchair to roll on? How wide are the door frames (know how wide they need to be)? Are the light switches and thermostats reachable? Do the doors have handles or knobs?

2. LOCATION – Besides just finding a rental home or apartment that accommodates a person with disabilities, it is also going to be important that the rental home be in a location where the person can easily access groceries and other services. Are the streets and sidewalks always busy and chaotic? Are there appropriate signs, lights and crosswalks for someone crossing the street?
disabled-friendly rentals
3. ASK A PROPERTY MANAGER FOR HELP – Properties managers have a lot of experience managing every kind of property. Chances are, the properties managers and property management companies that are located around you are probably already aware of which rental homes or apartments in your area would best suit your needs as a person with disabilities. Calling on a property manager for help with finding a disabled-friendly rental can save you a lot of time, energy and stress.

If you would like a property manager to help assist you in your search for a rental home or apartment that caters to the needs of a person with disabilities, our team at Authority Property Management would love to help you in any way we can! We are property managers in Redding who have over 20 years of experience doing property management in Redding and Shasta County. Don’t hesitate to call us at (530) 410-6085 . We would love to help you find the rental home or apartment you are looking for!

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Benefits of a Home or a Apartment

The Benefits of Living in a Rental Home or a Rental Apartment

Benefits of a Home verses Apartment

 Are you currently trying to find a rental home or an apartment to move into? Are you wondering what the benefits of each living space are and which living space would be more beneficial for you? Renting a Home versus an Apartment are very different and mean different responsibilities for you as a tenant.  If this is you, we would love to help you discover whether a rental home or a rental apartment would be a better move for you. As property managers in Redding who have over twenty years of experience managing properties in Redding and Shasta County, we would like to help make you aware of what we believe are the benefits of living in a rental home versus a rental apartment.

Space

There is no doubt that a rental home has more space than a rental apartment. Depending on how many furniture pieces, articles of clothing, or kitchen dishes and cookware you have, that will be a big factor in determining whether a rental home or apartment would be more beneficial for you. Rental homes often have more room for storage, garage space, attic space, and bigger kitchen storage.

Privacy

Another benefit of living in a rental home versus a rental apartment is privacy. In a rental apartment, you will most likely be in close proximity to surrounding neighbors, and there is no guarantee that they will be quiet neighbors. Living in a rental home provides space and privacy from neighbors and noise.

Customization

Depending on how decorative you are, this will also help you to determine if you would rather live in a rental home or a rental apartment. Rental apartments often have strict regulations when it comes to decorating and customizing your unit. You most likely will not be allowed to paint the walls, hang items on the walls with nails, or change kitchen appliances. This can often make your apartment feel more like a temporary living space rather than a home. However, in a rental home, your landlord may give permission for certain customizations when asked and allow more freedom when it comes to decorating and make the house feel more like your home. If you are trying to find somewhere to live for several years that will feel like home, a rental home might be a better option for you.

Compare Expenses

A huge part of renting a home or apartment is determining what your budget is when it comes to paying rent and utilities. The cost of living in a home or apartment can be a huge factor in determining what decision you want to make for yourself. Some houses can be pricey when it comes to rent rates, but some apartments can be just as pricey. You would be surprised at some of the nice houses that you can rent that cost the same or less than a rental apartment. Do your research and take your time searching for the right place that meets all of your housing needs and is within your budget.

If you are a tenant and would like more information to help you discover what move might be best for you, or if you are a landlord and would like someone to help you manage your rental property, we would love to help you! We do property management in Redding and Shasta County and would love to serve you in any way we can. Feel free to give us a call at (530) 410-6085.

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Moving tips

Packing Tips for Moving

Moving can feel like one of the most stressful things in the world, especially if you would say that are not the most minimalistic person out there. However, when it comes to packing up your old place and moving into a new place, there are some things that you can do that can make your transition much less stressful than it needs to be.  As property managers in Redding who have over 20 years of experience overseeing and managing rental properties in Shasta County, we would love to help ease your transition by offering you some of our top practical packing tips when moving.

Separate and label boxes according to each room

One way to get your packing done in an easy and efficient way is to pack your boxes according to each room in your home or apartment. For example, it is way more efficient and way less stressful to pack everything that you will want in your kitchen in the same boxes and everything that you will want in your living room in the same boxes rather than mixing them up. After you pack each of your rooms into boxes, the next thing you will want to do is take a sharpie and label each box with the room that it will go in such as “LIVING ROOM” or “KITCHEN”. This will make moving much easier and unpacking once you are moved into your new living space much quicker as all of your items will already be sorted into which room they will be going into.     moving boxes_573x300

Organize your box sizes

As you are packing, it is important that you separate your heavy items from your light items and put the right items in the right sizes of boxes. If you have a lot of heavy items like books, you will want to put those into several medium-sized boxes rather than one large box. This will make the boxes easier to move and will prevent them from breaking. However, when it comes to lightweight items, you can go ahead and pack as many of those items as possible into your large boxes. These items could be linens, pillows, tablecloths, curtains, etc.

Secure any breakables

The best way to secure any breakables like dishes is to wrap each item in packing paper and then to pack any spaces between breakable items in boxes with packing paper as well. After they are wrapped in packing paper, the best way to put items like dishes into boxes is to pack them on their sides and inside of each other. For example, you can wrap cups or bowls individually and then stack them inside each other on their sides inside the boxes.

Extra tape never hurts

Make sure that your boxes are secured by taping across the middle of the box on the top and bottom of the box as well as any flaps that may be sticking up on the box. It also doesn’t hurt to tape long pieces of tape around the entire box a couple of times just to make sure that the box is completely secured shut.                                

If you are a tenant and would like more information on how you can best transition into your new rental home or apartment, or if you are a landlord and would like someone to help you manage your rental properties, don’t hesitate to call us at Authority Property Management. We have plenty of experience doing property management in Redding and Shasta County and would love to help you in any way that we can! Feel free to give us a call at (530) 410-6085.

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