Moving into your first apartment is an exciting time, but you have a lot of steps to cover and aspects to consider. From renters insurance to utilities and furniture, there are major investments that should be figured out. It's a large undertaking that needs to proceed in an organized fashion. Below are some tips to help the process move smoothly.

4 Tips for Renting Your First Apartment

1. Ask About Utilities

Responsibility for utilities varies dramatically from apartment to apartment. Some places expect you to pay for everything, including gas, electric, water, sewer, and garbage. Others cover one or more aspects and expect you to be responsible for the rest. Depending on your area and the cost of power, this could mean an additional $100 to $200 per month. Always be sure you know what utilities you must pay for, especially if your budget is tight.

2. Consider Lease Options

Some landlords and complexes offer only 12-month leases. This may not work for you if you are a college student who only needs an apartment for the nine-month school year. Other places are more flexible, with nine-month leases available. Ask what your options are, and how much a shorter lease costs per month.

3. Always Take a Tour

If you are moving into an area from out of town, it may be tempting to rent a place from advertisements and photos you've found online. This is not always a smart idea. Photos won't give you a feel for the neighborhood and other tenants. Moreover, a physical tour will help you see if your furniture will all fit comfortably and that the appliances are in working order. Take a day trip to your new town and tour a bunch of places. This will help you get a feel for your new home as a whole. 

4. Buy Renters Insurance

Renters insurance protects your belongings against theft and damage due to fire, storms, and vandalism. It also offers personal liability coverage in case you should accidentally injure someone or damage their property. It also pays for repairs and for any medical or legal costs arising out of the incident.

If you need an experienced agent to help you design a renters insurance policy that fits your situation and budget, contact Phil Taylor Insurance Agency in Clarksville, AR, They have been serving clients in and around Johnson County since 1960. In addition to renters insurance, they also offer home, auto, motorcycle, RV, and boat insurance. Visit their website to reach out to them about coverage or call (479) 754-2616 to request an insurance quote.