Living in a rental home means that you occupy a space that you don’t totally own. Rentals come with a degree of unfamiliarity. The owner, not the renter, might take care of certain aspects of the home’s security and upkeep.
Because renters are more likely to be unfamiliar with the home, their ability to protect the space comparatively decreases. Therefore, a rental home’s risk for theft may increase. Nonetheless, if you live in a rental, you have a responsibility to protect the home from theft risks. Doing so will help protect you, your personal property, and the homeowner’s risks.
Get Proper Renters Insurance
In case a theft occurs in your rental, you might face costly property damages and personal losses. To mitigate these losses, invest in a strong renters insurance policy.
Renters insurance can often protect you in cases of theft and property damage. These policies may help you replace lost items and repair damages caused to the property.
Secure the Home
Though renters insurance can protect you from theft, it shouldn’t be your first line of defense in case of theft. Properly securing and safeguarding the property should be your priority.
If you fail to protect the property, your insurance company may deny your claim because it deems your actions negligent.
Keep these tips in mind to secure your rental property:
- As you prepare to move in, ask the homeowner or rental agent about the home’s security systems. They can often point out any security features in the home, and show you how to use the systems.
- Consider researching your neighborhood crime statistics. This will help you familiarize yourself with theft risks in the area. Doing so can help you keep a better eye on the home. You can often obtain crime reports from a variety of online sources.
- Always keep your home secure. Arm security systems and cameras. Keep doors and windows locked whenever you leave the home. It is often best to do so even when you are at home. Familiarize yourself with all possible entry and exit points for the property.
- Maintain guard over your valuables. Most homeowners do not keep their valuable items prominently displayed in the home. Store vehicles, recreational equipment, and electronics out of easy sight of the street, if possible. Doing so won’t tip off would-be thieves that you have valuables in your home.
- If you leave home, don’t prominently advertise your departure. Many thieves monitor social media sites and other avenues to take note of when residents won’t be at home. Keeping your discretion will help you better keep your security under wraps.
Correctly protecting your rental property will help reduce the risk of theft. This will also reduce your renters insurance risks.
We’ve got the coverage you need. Call Consumer Insurance Services at (541) 383-1733 to learn more about Bend OR renters insurance options. One of our agents can help you get a fast, free quote right now.