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LCArticle_MakingMoveFirstApartment

Making the Move to Your First Apartment

October 27, 2014

If you’re a young adult, finding a place of your own is an important first step to establishing your own life. It can be the most exciting move you make, but it can also be intimidating. To make choosing your first apartment a little easier, check out these tips:

  • Know your price range. About one-third of your monthly take-home income is a good budget guideline.
  • Save your money. When you lease an apartment, you likely will need to pay a security deposit (usually one month’s rent), along with your first month’s rent and other expenses, like moving costs, utilities and furnishings.
  • Check your credit. If your credit history is not well established or your score is low, you may need a co-signer.
  • Read the lease. Make sure you review it closely. You can negotiate terms before you sign.
  • Set up your utilities. Call the utility companies at least a week in advance in case you need to schedule an appointment.
  • Conduct a walk-through. Notify the apartment owner or manager about any pre-existing issues to avoid liability in the future.

Buy renter’s insurance
Most experts agree that renter’s insurance is a good idea for apartment renters. These policies are relatively inexpensive and can offer valuable protection against theft, accident, natural disaster and liability. A Farm Bureau agent can show you options to help you settle into your first apartment feeling protected and eager to start your new, independent life. Find an agent now.