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September 2020 RMA – Renters Insurance – Albertson’s Gift Card

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Solve Our Puzzle

Thank you for participating in the August Newsletter Puzzle. After a random drawing amongst all of our correct responses, Savannah Andrews is our August winner, who won a Trader Joe’s Gift Card.

Find the answers to our crozzword puzzle in this month’s reminders and newsletter! Correct answers will be entered into a drawing for this month’s prize of an Albertson’s Gift Card. Please remember to help out local small businesses.

Read this month’s reminders and newsletter below for clues. And don’t forget to read next month’s newsletter to see if you won! Good luck!

COVID-19 Update

Idaho’s response to COVID-19 is now primarily local or regional in nature. As of 8/26 data presented by coronavirus.idaho.gov stated: 30,780 cases to date. 305 new cases 8/26. 337 deaths. Mask wearing is mandatory in several Idaho cities and counties. “Stage 4 stay healthy” guidelines remain in place. https://rebound.idaho.gov/stage-4-stay-healthy-guidelines/. For case data and COVID-19 official state resources please visit https://coronavirus.idaho.gov/.

Important Reminders

1) Hard to believe School is already back! Summer is winding down, but we are still at least a month away from yard work winding down. Keep up on the mowing, weeding and pruning of perennials.

2) Please make sure your barbecue grill is plenty of distance from flammable surfaces. Dry winds can whip up flames and ignite wood siding or house trim easily.

3) If your community has a pool, please check to see if pool hours have changed now that school is back. Be sure you are aware of the pool/clubhouse rules and abide by them.

4) Have you changed filters recently? Your lease requires you to change them every two months. Our air quality has been really bad recently due to smoke from forest fires and filters will be in need of a change. Clean filters improve the performance of your furnace and air conditioner and keeps your air quality free of allergens and dust. If you don’t know where to find your filters, or how to change them, please call your property manager.

5) Parking has been of particular concern to neighbors in recent months with more residents working from home. Please be sure you are not obstructing access to your community by parking your car where you shouldn’t. And please be respectful to neighbors by making sure guests are not taking resident parking spaces.

If you have any maintenance concerns for your yard or your home please CONTACT US! All maintenance concerns should be submitted through property meld, accessed on our website, under the Tenant Tab – Maintenance Request – Submit Work Order.

Renters Insurance – Much more helpful than you may think!

By Athena Savoglou

Renters Insurance! If you do not have it by now, you should get it immediately. Renters insurance is a relatively small expense that pays for something you will probably never need. That being said, there is an emphasis on probably. Because every year, there are a handful of unlucky tenants who suffer damage to their property. You know, the ones you read about in the news – fires, weather damage, water damage, burglaries, etc. Additionally, renters insurance can also benefit you for less catastrophic but still inconvenient events like stolen personal property and other unfortunate occurrences. Now, hopefully, none of these things, big or small, never happen to you. But if something does happen, the cost to repair and replace everything lost can potentially be detrimental to your financial well-being. This is where renters insurance comes in. For a small fee each month, you can insure your property and belongings to avoid the bulk of the cost in the event something should happen. (And also, having a renters insurance policy is required under your lease agreement.)

Explanation of Renters Insurance Plans

Damage to Your Home

Most plans are very broad with coverage for any type of property damage (aside from intentional damage). Yes, this includes fire, weather damage, water damage, theft, personal injury, and the cost of temporary housing. Common plans cover $30,000 to replace personal property, with up to $300,000 in liability insurance. Should a tragic incident happen to you and you have a renters policy in place, with policy terms as previously stated, you would walk away from the tragedy with $6,000 cash in hand to cover any immediate temporary housing, transportation, and personal needs plus $30,000 to spend on replacement of lost personal belongings. You would also be able to rest easy knowing any liability you might incur from the accident will be covered up to $300,000.

However, if you are uninsured, you will be forced to pay for everything yourself. Take a look around the room you are in. Imagine needing to replace everything, from your kitchen appliances, to your furniture, your electronics, everything. Even worse, your home could potentially become unlivable. On top of it, you’re personally liable for damage to your property, even if it is not your fault. Even if the owner’s insurance company covers it, they could come after you to reimburse them – that is in their discretion.

Other Types of Damage

Although you may think renters insurance only refers to big events like fires or floods, it can also come in handy for less disastrous inconveniences. Renters insurance may also cover the replacement costs of your property if it is lost stolen or damaged – no matter where in the world it happens (even if it’s stolen from your vehicle!). Furthermore, it can even cover liability costs even if you or someone in your family is at fault for injury to someone or damage to property. Finally, it can provide protection if your pet bites someone, as these lawsuits can get shockingly expensive. These are smaller risks we do not think about unless they happen, in which case owning a renters insurance plan could save the day.

So… please take out a renters insurance policy. You will thank yourself beyond belief should you ever need it. And no matter how small the chance of you needing it, we say it’s worth it.

And again, it is required under your lease agreement.

Get Renters Insurance Here!

September Puzzle

Complete our September crossword puzzle for a chance to win a Trader Joe’s Gift Card! Clues are in this month’s reminders and newsletter above. Good luck!

Please email your responses to athena.rma@gmail.com.