How to Be Safe When Renting From an Owner

Know your rights and follow proper precautions to protect yourself when renting.

Home ownership gives you total control over your living environment, but if you move frequently or aren't sure of if you're going to like an area, renting is a better option. When renting an apartment or home, take measures to remain safe from getting ripped off and ensuring you have all rights covered by the law. Knowing your rights and following proper procedures determines whether your rental experience is going to be positive or negative and builds a trustworthy relationship between you and the landlord.

Instructions

1. Bring your paperwork with you when you apply for the home. The landlord wants to verify you're reliable and trustworthy, typically by using your credit report and references from prior landlords. Bring your pay stubs for proof of income since you can't rent an apartment without proving you can afford it.

2. Read your lease before signing. It can be tempting to just sign the paperwork to speed the process up, but never sign anything without reading it through. You don't want to have hidden charges from month-to-month or agree that your landlord has the right to enter your home without prior notice. If necessary, take the lease home and agree to mail it to him once you have a chance to read anything. Ask questions about anything you're not clear about.

3. Complete a walk-through before you put any of your belongings in the home. Be very thorough in your examination. Look for paint chips, marks on the walls or floors, check the cabinets and drawers and note any stains on the carpet. You can also take time-stamped pictures and keep them on record in case any issues over damage arise.

4. Contact your landlord when repairs need to be made to the home, whether it's replacing an outlet or fixing a plumbing leak. Don't make any repairs yourself, even if you have the skills, because you may be held responsible if something goes wrong again.

5. Purchase renter's insurance to protect your belongings from theft or damage. If something happens to the property, your landlord's homeowner's insurance will cover their costs but you'll be responsible for replacing anything that gets lost.

6. Ask your landlord for names and phone numbers of the utility companies in the area. Know which utilities (electric, water, sewer, garbage, heat/gas) you're responsible for and which ones the landlord will pay on your behalf.

Tips & Warnings

• Never hesitate to ask questions. Renting a home is a big decision and you're giving a hefty sum to your landlord each month, not only for rent but for property maintenance and any concerns you have.

References

• Forrent.com: Can I Get an Overview of Landlord Tenant Laws and Apartment Basics?
• NOLO Law for All: Ten Tips for Tenants