Three Reasons You Can’t Afford NOT to Have Renters Insurance

Think renter’s insurance is too expensive or not worthwhile? Think again! Too many renters neglect to get renters insurance because they think it’s too expensive or their stuff is not valuable enough to protect. Is this really the case?

According to a Rent.com survey several years ago, 60% of renters they interviewed did not have renters insurance. Many felt that it’s too expensive even though the average premium is under $20 a month. THat is less than what you’d spend on coffee or a night out at the movies!

Infographic: Renters' insurance, room-by-room

Here are 3 Reasons You Can’t Afford NOT to Have Renters Insurance.

#1 Your Belongings Are Worth More Than You Think

According to the USAA, new renters typically have about $20,000 worth of belongings. Look around at the possessions in your apartment: computer, bike, clothes, television, iPhone, clothes, kitchen appliances, etc. Start adding up the value of how much it would cost to replace all these items if they suddently disappeared and you will probably be surprised.

#2 Coverage doesn’t just extend to your home

Depending on your policy, renters insurance can also be extended outside of your home. If someone breaks into your car and steals your bag from inside, it is possible that your renters insurance would cover that too.

#3 It covers your neighbor’s or your roommate’s property

Most Renters insurance policies protect you from being responsible for replacing property of your roommate or neighbors in caser any damage incurred as a result of your mistake. Some policies will cover you against a lawsuit should someone hurt themselves in your apartment. This is not just limited to guests, service providers and repair individuals would be covered too in case of injury in your property.

Make Moving Out A Breeze With These 10 Handy Tips

MovingBoxes

 

Moving on is so hard to do… but moving out doesn’t have to be! Stick to these tips to save yourself a headache come moving time.

#1 – Have Lots of Packing Supplies

Moving out requires boxes, packing tapes, bubble wrap, labels, pens, and more. Plan ahead for the move and stock up with more supplies than you need, or you’ll find yourself running back and forth constantly to stock up. 

#2 – Make a List

Did you remember to pack that special item that means so much to you? Which box did you put that cable in? By keeping an organized list as you’re packing you’ll be doing Future You a huge favor come unpacking time.

#3 – Keep Things Together

Resist the urge to toss random items into one box! Keep kitchen item together, bathroom items together, and so forth. This extends to moving day, see if you friends or movers can move the boxes that belong together at the same time.

#4 – Color Coordinate

Having a color system will make aforementioned organization much easier for packing, moving, and unpacking. Separate the rooms 

#5 – Use Wardrobe Boxes

Moving companies will often bring vertical moving boxes for you to transfer your clothes and clothes-hangers too. 

#6 – Valuable? Keep it with you

Avoid putting valuable jewelry in moving boxes if you can’t afford to lose it. This tip also extends to important papers, be sure to keep them close at hand. Don’t tempt fate!

#7 – Clean What You Can Ahead of Time

You’re going to need to clean before returning your apartment/home, but you can get started with cleaning now!

#8Pack an Overnight Bag

Chances are at the end of moving day you’ll be too tired to unpack boxes and find your toiletries and supplies. Pack an overnight bag with some toiletries and a change of clothes to give yourself a little breathing room before you need to unpack.

 #9 – Change Your Address Before Moving

Don’t wait until the last minute! It’s recommended you do this at least two weeks before moving.

#10 – Don’t Shop For Groceries On Your Last Week

Ideally you’ll be able to eat all the food in your fridge right in time for moving day and avoid having to throw anything out.

 

photo credit: moving house via photopin (license)

Organizing and Cleaning Your Apartment Tips and Tricks

Apartment Cleaning Tips

Spring is just around the corner, and for many, that means Spring Break!  Before you hit the road, consider taking a little time to do some Spring Cleaning.  Messy apartments are just small messes that accumulate over time. Deal with messes as they’re made and cleaning will be easier in the long run. Consider these helpful tips to keep things looking great throughout the year.

Keep A Cleaning Schedule

You may have seen this tip in our Roommate Etiquette 101 post but it’s so useful we’re going to mention it again! Keeping a cleaning schedule not only ensures that your living space will look fantastic but also clears up any ambiguity of who cleans what. Too much time is wasted bickering over which mess is whose responsibility.

Wipe Down Your Counters

Wipe down your countertop surfaces every other day to ensure that any spills and residue are removed and that germs are disinfected.

Mop Your Floor

Now that you’re done wiping down the counters pass the mop on the floor to clean up any dirt that may have fallen below.

Clean Out The Fridge

It’s hard to look towards the future when you’re bringing along the expired foods of 2015. Give the fridge a good wipe down and toss out any food that’s gone bad.

Organize Your Bathroom Cabinets

Do you open your bathroom cabinets only to find shampoo and conditioner bottles collapsed on each other? How about snaking cords from dryers and razors? Try grouping your products by use (shampoos, conditioners, gels…) at least once a week. You’ll see how much easier it is to get ready in the morning.

Clean Your Toilets and Shower

This is no one’s favorite part of the cleaning cycle but it’s very important. Aim to clean your toilet and shower at least once every two weeks.

Get That Junk Off Your Table Surfaces

A coffee table can have some coasters on it, some remote controls, and even a coffee table book. What it shouldn’t have is mail piling up and random things that were never put away. Toss out what’s useless and put away what isn’t and you’ll see how much better it feels to have some open table space.

Pass The Vacuum

Dust gets everywhere, and it’s even more prevalent in common areas such as the living room. Pass the vacuum throughout the house at least once every two weeks (more often is advisable).

Launder Your Bed Sheets

Toss your bed sheets into the laundry at least once every two weeks. You’ll see the difference that sleeping in clean sheets makes.

Make Your Bed

Make your bed each day, if possible before leaving the house. There’s a psychological benefit to coming home to a made bed every day and you’ll start the day with something already accomplished

There, now you have a clean, organized apartment and some easy to follow schedules to guarantee it stays that way until you move out. Best of luck!

photo credit: Red Couch Project Set 10 (65 of 70) via photopin (license)

 

 

 

Roommate Etiquette 101

Roommates

Whether it’s a friend or a stranger having a roommate can be an amazing shared experience… but not one that comes without a little work. By simply taking a few steps you can ensure you and your roommate will always remain simpatico and get the most out of your living arrangement.

Step #1 Establish Guidelines From The Start

Avoid unnecessary arguments by establishing clear guidelines early on. Agreeing on schedules and day-to-day rules helps avoid misunderstandings and annoyed housemates.

Some suggested topics to cover include:

  • Bill paying procedures
  • Cleaning Schedule
  • Dirty dishes policy
  • Significant others coming over
  • Sleeping habits
  • Noise levels
  • Drinking habits
  • Pet policy
  • Allergies and general health requirements

Step #2 Respect Each Other’s Personal Space

It’s always a good idea to not enter your roommate’s space without their permission. Think about it, would you want someone entering your room when you’re not there?

Step #3 Respect Each Other’s Belongings

Unless you have an agreed upon rule for sharing food try to be mindful of your roommate’s food. There’s nothing worse than coming home after a long day dreaming of your left-over pizza only to find it eaten by someone else.

This rule also extends to personal belongings. Nothing stirs up bad feelings quite like the notion of someone rifling through your private stuff.

See this? Don't do this.

Step #4 Clean Up After Yourself

Even if a cleaning schedule is agreed on you should always be mindful to pick up after yourself. Certainly don’t leave trash or opened food lying around or an angry roommate will be the least of your troubles.

Step #5 Address Concerns

Bottling up feelings of annoyance will lead to an eventual explosive argument. Speak your mind as problems emerge and work together to find solutions. Whether the problems are big or small you will always be better of for addressing them openly.

Step #6 Don’t Expect To Be Best Friends

Though it’s certainly possible you may end up being best friends with your roommate, the expectation it will happen can often create an uncomfortable dynamic for a roommate. Be friendly but also be aware that their interests, schedules, and friends may not align with yours.

Step #7 Be Open To Change

Living with a stranger (or even a friend) will inevitably bring about new experiences and customs. You should always try to keep an open mind to these differences and change and go with the flow.

Step #8 Remember It’s A Shared Space

What’s most important to remember is that the home you occupy is a shared one. If you’re bringing people over, give your roommate some warning. Before blasting your rock music at 3AM, remember your roommate is one wall over and probably asleep. If you are leaving trash out, don’t forget someone else could be coming home to it.

If you stick to these rules you should be well on your way to having a comfortable shared space. Best of luck!

Why You Definitely Need Renters Insurance

Tornado
(That can’t be good…)

 

No matter how prepared you are, life comes with unexpected risks. Be it by theft or a flood or a malfunctioning clothes dryer, in a moment you could face the loss of your personal belongings or your home. Can you afford to bet against these risks by not having renters insurance?

Too many people decide against renters insurance because they simply think their stuff is just not valuable enough to protect. Is this really the case?

Your stuff is worth more than you think

Look around at the possessions in your home: computer, bike, clothes, television, iPhone, that strange Angolan scarf your mom gave you. Start adding up the value of how much it would cost to replace all these items. It’s pretty high, right?

According to the USAA, new renters typically have about $20,000 worth of belongs. Not only is that a ton of money but it’s the last thing you’d want to worry about in a time of crisis.

That’s where renter’s insurance comes in.

Replacement Cost Coverage

The ideal policy is one that has replacement cost coverage over cash value.

A replacement cost coverage policy would pay out the cost of buying a new item to replace the ones you lost. A cash value policy would instead pay the cash value of the item lost at the time of its loss.

These policies mean the difference between a payment for a brand new computer and a payment based on the current cash value of your five year old computer.

Renters Insurance Computer
So, about the replacement cost coverage…

Protection against severe natural events

Did you know that the United States has more tornados than anywhere else in the world?  Ensure that your policy not only covers you for fire but also covers you in case of flooding, earthquakes, tornados, and any other nature disaster.

Coverage doesn’t just extend to your home

Renters insurance can also be extended outside of your home. If someone breaks into your car and steals your bag from inside, your renters insurance would cover that too.

It covers your neighbor’s property

Renters Insurance
Oh great, the dishwasher in 3B is acting up again.

(What would happen if your washing machine goes haywire floods into your neighbor’s apartment? Renters insurance would include a liability to cover you in these instances for any damage incurred.

Liability Insurance

This policy should also cover you against a lawsuit should someone hurt themselves in your apartment. This is not just limited to guests, service providers and repair individuals would be covered too in case of injury in your property.

Landlord insurance is not enough

Your landlord’s insurance may cover damage to the carpet or to the walls but it will not cover your personal belongings.

It’s Affordable

Renters Insurance can start as low as $12 to $15 dollars a month. A small price to pay when you consider the coverage it affords.

 

Handy Info For New Von Klein Property Management Tenants!

Larry & Carmon von Klein
Larry & Carmon von Klein have owned and operated Von Klein Property Management for 25+ years!

It’s the beginning of a new school year and September is going to a very busy month for the Von Klein staff- “Move In Days” are finally here!  We are here to help all of our residents have a smooth move in process so read through these tips and bookmark this post, you never know when this info will come in handy:

  • If your move in date and lease signing date are the same, your security deposit is due with your first month’s rent. Please note that you will not receive keys until you have a zero balance.
  • If you are moving in this month, your security deposit was due on August 1st. This policy is in place because it ensures that you have a zero balance on your account and causes less confusion at move in time.
  • To get a parking space you must come to our office (or see your onsite manager, if applicable) for a parking permit when we post a notice on your door for your complex that they are ready. Please bring your driver’s license and registration- and not your insurance. The car must be registered under your name or under your parents name. Each unit comes with ONE parking spot at no extra cost to you. If you lose or misplace your first parking permit, you may purchase a second parking permit for $5.00.
  • Plug the following numbers into your phone (if applicable)
    von Klein office – 541-485-7776
    von Klein Emergency – 541- 686-0743
    EWEB Electric Company – 541-484-6016
    Northwest Natural Gas – 541-351-3661
    Century Link Phone Company – 1-800-244-1111
    Comcast Cable Company – 541-484-3000
    University Police Station – 541-682-8350
    Diamond Parking – 541-343-3733
    UO Conflict Resolution Services: 541-346-0617
    Community Mediation Services 541-344-5366
    ASUO Legal Services 541-346-4273

Bookmark these University of Oregon Resources (in case you ever need them)

City of Eugene

  • City of Eugene
    Information about the City of Eugene including services and city events.
  • Eugene Police Department
    Safety and police enforcement information for students and community members.

City of Eugene Parking

Download these Off-Campus Resources

If you need any assistance, we are here to help!  Please contact our office during business hours at (541) 485-7776. Our office is located at 1301 Ferry St., Eugene, OR 97401. We are here to help you! Happy move in!

Decorating Your Rental Property on a Budget (Part One)

Apartment Decorating

Ever wonder how you can personalize your apartment without spending a fortune or ruining your chances to get your deposit back?

Lots of our tenants have!  That’s why we have put together a list of simple decorating tips to help you make your apartment feel more like home.  Whether your taste is traditional, eclectic, minimalist or kitschy it is possible to create a desirable living space on without spending a fortune when you use a little bit of
creativity. Here are some ideas on how to decorate your rental property on a budget.

Bring in area rugs to add more color. If you are decorating on a budget, an area rug  is a big purchase. Look for bargains online and at discount stores like IKEA, thrift stores or resale sites like Ebay or CraigsList. Once you find the right rug that fits in with your color scheme, place the rug in the middle of the room to frame your space.

Brighten up standard walls and ceiling lights with DIY artwork ideas!

  • Add soft lighting throughout the apartment with inexpensive lamps with lamp shades rimmed with ribbon for a personalized designer look.
  • Tack a scarf or square of neat fabric to the ceiling over a drab boring light fixture. The fabric hangs far enough down that it won’t heat up or scorch, and the pretty colored light shines through below.
  • Staple fabric over a bulletin board. Hang on the wall and pin your favorite pictures on it.

Choose light and functional furniture (if possible). Chances are, you probably do not have a budget to buy all new furniture. For many of us apartment dwellers, our furniture chooses us when we inherit pieces from our family members. Despite popular belief, you don’t need as much furniture as you think.

  • Remember- what you move in, you will eventually need to move out. So go light and stick with the essential pieces- a few living room pieces for seating and storage, a dining room table, a bed and a dresser is really all you need to get started.
  • You can find great deals on used furniture at thrift stores or resale sites like CraigsList.
  • If you get a thrift store sofa, consider covering it with an inexpensive slip cover in a soft or muted color that blends with your accent colors.
  • Repurposing furniture from a thrift store is also great way to go green.
  • If you must buy new furniture, find some that you can assemble yourself (IKEA is a great place to find this). This will make moving in and moving out easier.
  • Make your own throw pillows in the same color scheme as your curtains to pull together the look in your living room and bedroom.
  • Go to the local discount store or dollar store for more basic items like kitchen utensils, trash cans and more.

Planning Your Next Move

Moving DayAs summer comes to a close, many of our tenants will be packing up and ready to move on their next adventure.

To help you with the transition, we found a handy checklist on apartmentguide.com for you to follow as you plan your next move.

Here are some of their suggestions we recommend along with some of our own:

5-6 weeks before you move

☐ Set up a moving file or notebook to keep all of your moving information in one place.

☐ Contact your insurance company to arrange for renter’s insurance at your new location and set a date to cancel your current policy after you move out.

☐ Start gathering moving supplies and moving boxes.

4-5 weeks before your move

☐ File a change of address form with the United States Postal Service. Click here to do it online.

☐ Begin packing your belongings starting with the items you use less frequently.

☐ Donate or throw away items you don’t need.

☐ Start using up household items, such as frozen food or detergent, that you will not want to move. As you are packing to move please keep in mind that von Klein Property Management is accepting donations of nonperishable foods at its main office to donate to Food for Lane County.

☐ Hire movers or arrange to rent a moving truck for your move.

☐ Call your utility providers and make arrangements to have your utilities canceled after you move
out. Set up your utilities at your new locations. Utilities to set up may include phone, power, water and cable/satellite.

☐ Arrange for temporary storage of items if needed.

2-3 weeks before your move

☐ Cancel or transfer magazine and newspaper subscriptions.

☐ Return any library books and collect any items out for repair or cleaning.

☐ Review your lease agreement and our cleaning checklist to see what kind of cleaning is necessary when you move out. Click here to access the cleaning checklist.

The week of your move

☐ Gather items from our suggested list of cleaners you will need: oven cleaner (unless you have a self cleaning oven), Windex for window cleaning, Ajax/Comet cleaner, Bleach (always be cautious with bleach around carpets and vinyl floors.) Scouring pads, A multipurpose degreasing cleaner, Rags, Paper towels, Toilet brush, Small stiff brush Vacuum, Mop and Wax

☐ Thoroughly clean your apartment and prepare it for the check-out process using our cleaning checklist.

☐ Confirm moving day details with your moving company or truck rental company.

☐ Pack the essentials you will need shortly after you move in a Priority Box.

☐ Pack the clothes, toiletries and personal items you will need in the days following your move in suitcases.

☐ Schedule a walk through with someone from the main office to check the cleanliness of the apartment/house at least two days in advance. You may call the office at 541-485-7776 to make an appointment.

Moving Day

☐ Finish any last minute packing, remembering to put any items you will need right away in your Priority Box.

☐ Perform any last minute cleaning, and take out the trash.

☐ Set out water or cold beverages for you and those helping you move.

☐ Set aside any boxes/items that require special care and might need to be moved separately in a car. It is also a good idea to move any personal bags, suitcases, and your Priority Box separately so you can get to any items you might need immediately.

☐ If you are moving yourself, pick up your moving truck and any moving accessories. Inspect the truck to make sure it is in good condition and that you have all the accessories you need. Make sure to pay attention to all the conditions you have to meet before you return the truck.

☐ If you are moving yourself, load the items you will need right away last so they can be unloaded first.

☐ If you are using a moving company, give the movers any special moving/handling instructions. Review and sign any paperwork when your movers arrive. Make sure that you understand what you’re signing and ask questions if you need to.

☐ Be sure to have completed all items on our cleaning checklist.

☐ Sign any final paperwork, perform any necessary final walk-throughs and turn over all keys and garage remotes to the office or complex manager during the scheduled walk-through. Get a copy of any final paperwork for your records.

☐ Forwarding addresses must be left with the resident manager or our main office as well as the Post Office (www.usps.com) to ensure prompt return of your deposit.

☐ Do NOT leave your keys in your apartment.

Moving

Click here for more helpful moving/cleaning tips.

photo credit: teadrinker via photopin cc

Five Things You Can Do to Get Your Security Deposit Back

Cleaning

One of the most common questions that we get from our tenants is “How do I get my security deposit back?”

Getting your security deposit back is a legitimate concern for a lot of renters.   Aside from the typical cleaning, there are some key factors that renters should know about to protect themselves and their money.

1. Document the Condition of the Apartment BEFORE Moving In.

We encourage our tenants to do a meticulous walk through before moving in. Using a checklist, detail the condition of each room in the apartment. Photograph and make note of any flaws that exists already (broken towel bars, cupboards that don’t close all the way, blemishes on the walls, scratches in the wood, etc).

2. Notify us of any problems before you move in.

Once you have documented any issues with your apartment, no matter how small, please bring them to our attention! We need to be made aware of any problems our tenants on the property before moving in or during your lease period.
We understand that problems arise, and it is better to be on the same page from beginning to end. Developing a mutual understanding of what you may be responsible for is an essential part of any lessee/lessor relationship. In fact, we give two full weeks from the time you move in to notify us of any issues with the rental. We can decide together whether it is something that needs to be fixed or just noted on the agreement so that you are not held responsible for the damage.

3. Maintain and clean your living space.

There is a famous saying that goes “An ounce of prevention is worth a pound of cure.” This certainly applies to renters. Take preventative measures to avoid unnecessary hassle when you move out. Take care of the carpets, clean up stains before they set, clean the bathrooms and the kitchen on a regular basis to prevent mold and mildew, etc. Do not wait until the last week to fix everything that may have been broken during your lease. Make it a goal to leave the apartment or house in better condition than how you found it.

4. Do the Walk-Through.

At the end of the lease, the hands-down safest bet for getting back the security deposit is to do a walk-through. We will discuss problem areas and give the renter the opportunity to correct any issues, or quote a price for a third party to do so. The typical rate for cleaning from our cleaners is around $30/hour. We can tell you approximately how long we think it will take, and work with you to find the best solution for everyone. We highly recommend scheduling this walk through a week in advance of the end of the lease to ensure a time that works best for your schedule.

5. Prepare for the Unavoidable.

It is our practice to clean the carpets and drapes between each renter. This is unfortunately a cost that cannot be avoided, no matter how strict your “No Shoes” policy. However, the good news is, like our cleaning service, we have agreements with carpet cleaners in town that are typically half of what a renter might pay on their own.

Ultimately, we want our renters to be happy with their home. If you feel that you are not being treated fairly, or that the rental is not up to par, we want to know about it. Please feel free to contact us with any questions or concerns you may have. We have a variety of avenues for our renters to reach us – you can use the Contact Us page of our website, Facebook Page, or call us directly at (541) 485-7776.

photo credit: bark via photopin cc

Nine Signs You Are a Bad Roommate

9 Signs You are a Bad Roommate

Are you a bad roommate? Hopefully, you are in a situation where there is mutual respect for boundaries and everyone feels comfortable with each other. But, as we all know, that is not always the case.

After a long day of working or studying, there is nothing worse than coming home to a terrible roommate. Here are 9 signs that you are a less-than-ideal roommate.

1. Your Motto is “My Way or the Highway”. 

Good luck with that! Sharing your space with another person can be challenging, even a close friend. For your living arrangement work, it’s important that both parties compromise and adapt to each others lifestyle and habits. You can help mitigate awkward situations by determining if you are a good match BEFORE you move in.   Click here for tips on finding a the right roommate for you.

2. You are Miss or Mr. Passive Aggressive.

Whether you live with a stranger or a close friend, accept that at some point there is probably going to be conflict. Open communication is absolutely necessary when living in such close living quarters. Even if you avoid conflict at all costs, it will only cause anger an resentment to build up inside you until you are completely unbearable to live with. There is a good chance your roommate has no idea what they did to anger you, so talk about it, come to a agreement and move on!

3.  You honestly believe your roommate doesn’t care if you take or borrow without asking.

So you have a roommate who keeps the fridge stocked, the dishes clean, and plenty of clean laundry around for you to borrow. Why should they mind a T-shirt here, a carton of milk there? It’s communal right? Trust us, they mind. Nobody wants to be stuck with a roommate who takes food without replacing it or who borrows your favorite shoes or shirt without asking!

4. You are consistently late paying your bills or rent.

This is the worst!!! Pay your bills on time. Pay them early if that is an option. If you can’t afford your bills you may need to make different living arrangements or work an extra job. Do not ask your roommate(s) (who are probably also strapped for cash) to cover you! It’s not fair to them, and word will get around that you are a loser.  Who wants that?

5. You act as if your Mom will clean up after you.

Unless you have maid service, which you probably don’t, clean up your own messes! Think it’s ok to clean the dishes in the next couple of days or even next week? It’s not! Nobody wants to live with a messy or disorganized person! Who wants to come home to someones clutter and filth? You don’t have to be a super clean neat freak, but it’s important to be on the same page with your roommate about what’s acceptable and what’s not when it comes to cleanliness. Clean up your own messes, nobody else will.

6.  You ask lots of personal questions.

Your roommate has physical and emotional boundaries. Respect them. Just because you are living in the same space, you do not have the right to pry into their personal business! If your roommate wants to volunteer the information to you, fine. But give your roommate the space they need and respect their privacy.

7.  You frequently bring the party into your living room during the wee hours of the morning.

It’s one thing to be social, but it’s another thing to disregard your roommate(s) need for sleep or quiet study time. You must agree on acceptable noise levels in advance. Besides, you don’t want your neighbor to have report you, you just might receive a noise ordinance!

8. You are addicted to cigarettes.

Cigarette smoking stinks. It’s disgusting. It makes everything else, including your roommate’s stuff, smell like cigarettes. Yuck. Don’t smoke. If you must smoke, do it in a designated area and do your laundry often.

9. You contribute NOTHING.

You need stuff in your apartment: furniture, cookware, dishes, electronics, etc. Don’t be the roommate that contributes nothing. Suddenly you are the guy (or gal) that takes advantage of your roommate’s stuff.

Bottom Line: Be considerate!  Be considerate! Be considerate! And figure out in advance if you are a good match! 

photo credit: foshydog via photopin cc