#ApartmentHacks: The Benefits of E-Renters Insurance!

You have been looking for the apartment of your dreams. You take a tour of it and fall in love! Now you're in the Leasing Center about to sign your paperwork for your brand new place! But wait! Did you forget something? Renting an important is a huge step in anyone's life so you want to make sure you have the right and proper coverage for your new home! Here we will tell you the importance of having E-Renters insurance for your apartment.

Grady Management has taken steps to ensure your property by requiring liability insurance from residents. Requiring renter's insurance protects residents. They will have the opportunity to purchase personal property coverage. With eRenterPlan, residents will have a continuous policy, options for additional overages, a variety of payment methods and payment frequency options.

Benefits: The benefits of eRenters Insurance include:

• Same day coverage-less than 3 minutes after you sign up.
• Up to 5 roommates can be included on 1 policy at no additional charge. 
• There are no rate increases once you file a claim. 
• Cover water damage to resident's unit and all other impacted units.
• Replacement cost value. 
• Theft (forces entry not required)
• Premiums are by state (or territories within state), not individual 
• No credit checks. 

Real life scenarios: Life happens every so often. It is imperative that residents purchase an eRenters insurance policy in case one of these events happen to you. Here are are list of events that can occur where renters insurance would prevail.

Resident overflows a toilet or breaks a pipe in their apartment and floods their own unit and multiple other apartments in their building.  Apartment owner and other residents sue them for damages.

Solution:  Purchase renters insurance with liability insurance in an amount that will cover them for other people’s damages and any legal fees they will incur defending such claims.

Resident’s children while engaged in a pillow fight, break a sprinkler head in the ceiling and their unit and multiple other apartments in the building are flooded. Apartment owner and other residents sue them for damages.

Solution:  Purchase renters insurance with liability insurance in an amount that will cover them for other people’s damages and any legal fees they will incur defending such claims.

Resident causes a fire that destroys their own apartment and multiple apartments in their building.  Apartment owner and other residents sue them for damages.

Solution:  Purchase renters insurance with liability insurance in an amount that will cover them for other people’s damages and any legal fees they will incur defending such claims.

Harsh storms cause drainage ditches to overflow and water and sewage enters apartment and damages personal belongings. Apartment owner will not reimburse for damages to personal property.

Solution:  Purchase renters insurance with a flood insurance rider to cover seepage of underground water and sewage to reimburse for damages to personal property. Flood insurance may not be available through ERenters insurance program. Flood insurance may have to be obtained from another insurance carrier.

Resident returns home to find their apartment has been broken into and their personal property has been stolen and/or vandalized.

Solution:  Purchase renters insurance to cover their stolen and/or vandalized possessions.  Note:  Jewelry or high priced items must be itemized and listed with insurance carrier.

Need additional help with eRenters Insursance? Call our 24 hour/7 days a week service number (888)-205-8118 or log on to https://www.erenterplan.com/Home/index

How do you make the most of your apartment community?  Let us know in the comments!

Apartment Resident #LifeHacks was created in 2018 by Grady Management, Inc.  Grady Management was founded in 1965 and continues to provide a full service residential, commercial, and consulting real estate firm in the greater Washington and Baltimore metropolitan area.  Learn more from our website or Facebook page.

#Apartment Hacks: When In Doubt, Throw It OUT!

This summer along with your closet clean out, decluttering bedrooms and storage spaces, add cleaning out your refrigerator and freezer to your to do-list. Way deep inside your freezer can look like an ice-crusted igloo; scary yes but cleaning this out at least twice a year means more space and a tidier looking kitchen.

Prevent Food-borne Illness.  As soon as you leave the grocery store with your items, you have to start thinking about ways you will store the. Checking the labels will be your first step as food with closer expiration dated should be closer to the front of your fridge in order to be used faster.
Make sure your refrigerator is set at 40 degrees or less and your freezer should be 0 degrees or less. To properly check; put a thermometer inside each compartment.

Food Storage Do's & Don'ts.  Food kept too long or at improper temperatures can become contaminated with bacteria, which can cause illness. Here are tips on how to properly store food in refrigerators or freezers:

• Wrap any food item tightly with at least two layers of freezer wrap before you put it in the freezer to store it.
• Allow eggs to be stored inside the cartons; not inside the refrigerator door.
• For fresh produce, do not wash it until you are ready to use it. Store them inside perforated plastic bags and make sure they're used within a few days.
• For enough air circulation, do not overfill compartments in your fridge or freezer. This will maintain the proper temperatures.
• Leftovers should be stored in covered containers within two hours of cooking. You should eat leftovers within a 3-5 day period. 
• Always remember to check use- by or sell-by dates on food packages. These dates do not apply once the package is already opened.
• Put raw meat on the bottom shelf of your refrigerator, in a plastic sealed bag by itself. This will prevent any cross contamination onto other foods. 

Remember: it is also important to keep a regular schedule for refrigerator clean outs. Wiping down spills immediately when they happen to prevent permanent stains. Using a once a week schedule to clean the interior walls, shelves, with cleaning solution will help keep your refrigerator spotless!



Apartment Resident #LifeHacks was created in 2018 by Grady Management, Inc.  Grady Management was founded in 1965 and continues to provide a full service residential, commercial, and consulting real estate firm in the greater Washington and Baltimore metropolitan area.  Learn more from our website or Facebook page.