{"id":332102,"date":"2025-11-07T13:12:24","date_gmt":"2025-11-07T18:12:24","guid":{"rendered":"https:\/\/live-reviews-next.pantheonsite.io\/?p=332102"},"modified":"2025-11-07T13:12:25","modified_gmt":"2025-11-07T18:12:25","slug":"student-guide-to-renting","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/renters\/student-guide-to-renting\/","title":{"rendered":"Student Guide to Renting for the First Time"},"content":{"rendered":"\n<p>Renting your first apartment is a big deal, regardless if you\u2019re moving off campus or out of your parents\u2019 basement. You\u2019re an adult and you finally get to do what you want \u2014 and take on new costs and choices. Along with monthly rent and <a href=\"\/insurance\/renters\/best\/\">renters insurance<\/a>, plan for realistic move-in cash needs and ongoing fees. In 2025, national asking rents have stabilized but remain well above pre\u2011pandemic levels: the national \u201ctypical\u201d asking rent is in the low $2,100s per <a href=\"https:\/\/www.zillow.com\/research\/data\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Zillow<\/a>, 0\u20132 bedroom medians are in the high\u2011$1,700s per <a href=\"https:\/\/www.realtor.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Realtor.com<\/a>, and new\u2011lease asking rents are roughly flat year over year per <a href=\"https:\/\/www.apartmentlist.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Apartment List<\/a>. Typical up\u2011front costs include first month\u2019s rent, a security deposit commonly equal to one month\u2019s rent, application\/screening and admin fees, and possible pet\/parking charges; regulators have pushed for clearer disclosure of these \u201cjunk fees\u201d (<a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFPB<\/a>; <a href=\"https:\/\/www.zillow.com\/research\/reports\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Zillow renter surveys<\/a>). This complete student renting guide walks you through finding a place and a roommate, reading a lease, spotting rental scams, and more \u2014 plus downloadable templates to guide questions for your landlord and potential roommates. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"> In This Article:<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li><a href=\"#right\">Finding the Right Place<\/a><\/li><li><a href=\"#budget\">How to Budget When You\u2019re a Full-Time Student<\/a><\/li><li><a href=\"#choosing\">Choosing the Right Roommate<\/a><\/li><li><a href=\"#steps\">Steps to Take if Roommate Issues Arise<\/a><\/li><li><a href=\"#scams\">Rental Scams<\/a><\/li><li><a href=\"#insurance\">Opt for Renters Insurance<\/a><\/li><li><a href=\"#lease\">Read Your Lease Carefully<\/a><\/li><li><a href=\"#decorating\">Decorating Without Causing Damage<\/a><\/li><li><a href=\"#resources\">Downloadable Resources<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"right\">Finding the Right Place<\/h2>\n\n\n\n<p>Everyone dreams of finding the right place right away. In today\u2019s market, strong new construction through 2024\u20132025 lifted vacancies and concessions in many Sun Belt metros while conditions stayed tighter in parts of the Northeast\/Midwest (<a href=\"https:\/\/www.census.gov\/housing\/hvs\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Census HVS<\/a>; <a href=\"https:\/\/www.realtor.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Realtor.com<\/a>). Use the questions below to filter options and avoid surprise costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What\u2019s your budget?<\/h3>\n\n\n\n<p>Renter cost burdens are elevated: researchers reported a record 22.4 million renter households paying over 30% of income for housing (<a href=\"https:\/\/www.jchs.harvard.edu\/americas-rental-housing-2024\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Harvard JCHS<\/a>). A common rule is to keep total housing near 30% of gross income. In late 2025, typical asking rents are in the low $2,100s per <a href=\"https:\/\/www.zillow.com\/research\/data\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Zillow<\/a>, with studio\u20132BR medians in the high\u2011$1,700s per <a href=\"https:\/\/www.realtor.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Realtor.com<\/a> and rents about one\u2011quarter above March 2020 per <a href=\"https:\/\/www.apartmentlist.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Apartment List<\/a>. Long\u2011standing <a href=\"https:\/\/www.hud.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">HUD concerns about affordability<\/a> persist, and the <a href=\"https:\/\/www.huduser.gov\/portal\/pdredge\/pdr_edge_featd_article_092214.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">highest\u2011cost urban coasts<\/a> often face the steepest pressures. Build a realistic budget that includes recurring fees, utilities, and insurance \u2014 not just base rent.<\/p>\n\n\n\n<p>When you\u2019re looking for your first apartment, price out several options with total monthly costs (rent + utilities + fees) and compare to your income. Track rent trends locally using multiple sources to benchmark ranges (<a href=\"https:\/\/www.zillow.com\/research\/data\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Zillow ZORI<\/a>; <a href=\"https:\/\/www.realtor.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Realtor.com<\/a>; <a href=\"https:\/\/www.apartmentlist.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Apartment List<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What additional costs are expected?<\/h3>\n\n\n\n<p>Expect meaningful cash up front. Typical charges include: application\/screening fees (often around $50 per adult), a security deposit commonly equal to one month\u2019s rent, and administrative or move\u2011in fees (about $100\u2013$300 where charged). Pet deposits\/fees (around $200\u2013$300 per pet) and pet rent ($25\u2013$50\/month) are common. Parking ranges from about $25\u2013$75\/month for surface lots outside urban cores to $100\u2013$300\/month for garages in dense metros. Many large operators also require renters insurance (~$15\u2013$25\/month). Federal agencies have flagged nonrefundable or duplicative rental \u201cjunk fees\u201d and urged clearer, upfront disclosure of total move\u2011in costs (<a href=\"https:\/\/www.zillow.com\/research\/reports\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Zillow renter surveys<\/a>; <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFPB<\/a>). On a $1,800\/month unit, first month ($1,800) + deposit ($1,800) + fees can put typical move\u2011in near $3,850\u2013$4,000 before utilities and any pet\/parking costs (<a href=\"https:\/\/www.zillow.com\/research\/reports\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">consumer surveys<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Will you need a co-signer?<\/h3>\n\n\n\n<p>Many landlords look for combined household income around 3x monthly rent and will screen credit and rental history. If you\u2019re early in your credit journey or between jobs, a <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/money.usnews.com\" target=\"_blank\">co-signer<\/a> may be required. If a screening report is used to deny or condition your application, you\u2019re entitled to an adverse action notice and a free copy of the report, with the right to dispute errors under the Fair Credit Reporting Act (<a href=\"https:\/\/www.consumerfinance.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFPB guidance<\/a>).<\/p>\n\n\n\n<p>Using a <a href=\"https:\/\/money.usnews.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">family member or close friend<\/a>with a good credit score as your co-signer is the best option. Don\u2019t go into this agreement lightly, it\u2019s important to sit down and go through the stipulations of the lease to make sure all parties understand what they are being held accountable for. If you do not have someone to co-sign with you, there are <a href=\"https:\/\/www.apartmentguide.com\/blog\/what-are-cosigning-companies\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">co-signer services<\/a> that can do the job, though they can be expensive.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What are your transportation needs?<\/h3>\n\n\n\n<p>Factor the total cost of your commute into \u201call\u2011in\u201d rent. Price out monthly transit passes or bikeshare versus owning a car (insurance, fuel, maintenance), and include building costs for parking. Parking can add $25\u2013$75\/month for surface lots or $100\u2013$300\/month for garages depending on your metro (<a href=\"https:\/\/www.zillow.com\/research\/reports\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Zillow renter surveys<\/a>). Shorter commutes can also save time and help you avoid late\u2011arrival risks tied to tight bus\/train schedules.<\/p>\n\n\n\n<p>Another thing to consider when looking for your first apartment is parking\u2013 for both you and your guests. Does your apartment require you to pay extra for a parking spot? Will you and your roommate be able to alternate who gets the shared parking spot?&nbsp; If you don\u2019t have a car, parking  is an expense you can avoid, but if you have one, it\u2019s something you have to decide if you\u2019re willing to pay. You should also consider guest parking if you regularly have people over. Many apartments have strict parking regulations that may result in your guest being towed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"budget\">How to Budget When You\u2019re a Full-Time Student<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"\"><tbody><tr><td>Get a roommate<\/td><td>Shared living can materially lower per\u2011person housing costs and remains common as affordability pressures persist. Harvard researchers counted 22.4 million cost\u2011burdened renter households, the most on record (<a href=\"https:\/\/www.jchs.harvard.edu\/americas-rental-housing-2024\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Harvard JCHS<\/a>). Consider individual vs joint leases (joint = shared liability) and agree on house rules and payment mechanics in writing.<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/entertainment\/streaming\/cutting-the-cord\/\">Cut the cord<\/a><\/td><td>Many students save by dropping cable for <a href=\"https:\/\/www.reviews.com\/entertainment\/streaming\/best-on-demand-services\/\">streaming services<\/a>. Compare total monthly costs (internet + chosen services) to a bundled cable plan and split with roommates using digital payment tools; P2P transfers are now mainstream among U.S. consumers (<a href=\"https:\/\/www.frbatlanta.org\/banking-and-payments\/consumer-payments\/diary-of-consumer-payment-choice\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Federal Reserve DCPC<\/a>).<\/td><\/tr><tr><td>Reduce your energy use<\/td><td>Swap remaining bulbs for ENERGY STAR LEDs (use up to 90% less energy) and use a smart thermostat to automate setbacks (~8% heating\/cooling savings on average). Add smart power strips for TVs\/consoles and unplug idle chargers (<a href=\"https:\/\/www.energystar.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">ENERGY STAR LEDs<\/a>; <a href=\"https:\/\/www.energystar.gov\/products\/smart_thermostats\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">smart thermostats<\/a>).\u00a0<\/td><\/tr><tr><td>Use a budgeting app<\/td><td>Using a budgeting app like <a href=\"https:\/\/www.mint.com\/\">Mint<\/a> will help you track what you spend and bring visibility to your unnecessary spending. You can also set up alerts for balances and bills so you never accidentally miss a payment.<\/td><\/tr><tr><td>Take advantage of seasonality<\/td><td>When your timeline allows, compare prices across months; leasing activity often dips in winter. Also look for concessions in high\u2011supply markets where vacancies rose with 2024\u20132025 completions (<a href=\"https:\/\/www.apartmentlist.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Apartment List<\/a>; <a href=\"https:\/\/www.census.gov\/housing\/hvs\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Census HVS<\/a>). See historic month\u2011to\u2011month trends: <a href=\"https:\/\/www.apartmentlist.com\/rentonomics\/best-time-of-year-to-rent\/\">December and January<\/a> often see lower demand.&nbsp;&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"choosing\">Choosing the Right Roommate<\/h2>\n\n\n\n<p>Roommates can make rent affordable, but compatibility and clear expectations matter. Hybrid\/remote work remains elevated, so align on quiet hours, call schedules, and bandwidth needs (<a href=\"https:\/\/wfhresearch.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">WFH Research<\/a>). Use digital tools to split costs and track chores; P2P payments and shared ledgers are now standard for roommates (<a href=\"https:\/\/www.frbatlanta.org\/banking-and-payments\/consumer-payments\/diary-of-consumer-payment-choice\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Federal Reserve DCPC<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Similar social circles<\/h3>\n\n\n\n<p>Start in your social circles when looking for a roommate. Surrounding yourself with like-minded people who have similar values and interests is a way to avoid possible conflicts for the future. However, picking your closest friends is <a href=\"https:\/\/money.usnews.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">not always a sure fix<\/a> either. If you find that you aren\u2019t compatible as roommates, what happens to your friendship? An alternative is asking your friends or family members if they know of anyone looking; their recommendation can be a great starting point.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Financial responsibility<\/h3>\n\n\n\n<p>Discuss income, savings, and credit up front and decide whether you\u2019ll sign a joint lease (shared liability for all rent\/damages) or seek a landlord that offers individual leases. Verify references and align on how you\u2019ll split utilities, internet, and any parking fees (common charges identified in <a href=\"https:\/\/www.zillow.com\/research\/reports\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Zillow\u2019s renter surveys<\/a>). If a landlord uses a screening report, know your rights to notice and dispute errors (<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/money.usnews.com\" target=\"_blank\">cost of splitting bills<\/a>; <a href=\"https:\/\/www.consumerfinance.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFPB<\/a>). In NYC, most landlords are limited in how they can use criminal history as of 2025 (<a href=\"https:\/\/www.nyc.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Fair Chance for Housing<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Similar schedules<\/h3>\n\n\n\n<p>Finding someone with a similar schedule is essential. If you\u2019re in bed by nine for an early morning class, you don\u2019t want a night owl who\u2019s up playing music until three. Addressing your <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.forbes.com\/sites\/noodleeducation\/2016\/08\/22\/10-tips-for-living-with-a-college-roommate\/#551f62253bce\" target=\"_blank\">class and work schedule<\/a> is a crucial part of successfully cohabiting a space. If you work or study from home, agree on quiet hours, call locations, and guest expectations (<a href=\"https:\/\/wfhresearch.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">WFH Research<\/a>).&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Good communication<\/h3>\n\n\n\n<p>Deciding who to live with can be a hard decision and may even take a little while. But it\u2019s worth the effort to find someone who is the right fit. Set up a shared spreadsheet\/expense app, agree on who pays the landlord and how reimbursements work, and document late\u2011payment steps in writing (<a href=\"https:\/\/www.frbatlanta.org\/banking-and-payments\/consumer-payments\/diary-of-consumer-payment-choice\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Federal Reserve DCPC<\/a>). Start communication early so everyone is comfortable raising issues.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Define your expectations<\/h3>\n\n\n\n<p>It\u2019s never a bad idea to have multiple interviews with roommate candidates. Take the time to grab coffee or lunch so you can spend time with them. Pay attention to details and discuss compatibility areas: WFH norms, cleaning schedules, guests, parking, pets, and move\u2011out procedures. Put these into a written roommate agreement aligned to the primary lease and local rules (e.g., security deposit caps like California\u2019s one\u2011month limit; <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=202320240AB12\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CA AB 12<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"steps\">Steps to Take if Roommate Issues Arise<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Refer back to the roommate agreement<\/h3>\n\n\n\n<p>We would all like to believe that living with a roommate is always a breeze. While you may gain a lifelong friend, you may instead inherit some serious problems. A roommate agreement is a <a href=\"https:\/\/www.lawdepot.com\/contracts\/roommate-agreement\/?loc=US#.XkLJuhNKjb8\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">legally binding contract <\/a>that you and all roommates sign before moving into your apartment. Referring back to the roommate agreement can remind the roommate(s) what the original terms of living together were. <a href=\"https:\/\/www.lawdepot.com\/contracts\/roommate-agreement\/?loc=US#.XkLJuhNKjb8\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Not every part of this document<\/a> \u2013 like doing the dishes or sticking to the dusting schedule \u2013is enforceable in a court of law. If your roommate fails to pay their share of the rent or refuses to pay for any damage they caused however, you could potentially take action.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"\"><tbody><tr><td>Things to include in your roommate agreement:<\/td><\/tr><tr><td>The price breakdown for each tenant. Include how utilities will also be divided if they are not included in your rent.<\/td><\/tr><tr><td>Responsibility for damages to the residence<\/td><\/tr><tr><td>Guests and significant others<\/td><\/tr><tr><td>Cleaning responsibilities<\/td><\/tr><tr><td>Rules surrounding sharing food&nbsp;<\/td><\/tr><tr><td>How to resolve conflict<\/td><\/tr><tr><td>Expectations for quiet time<\/td><\/tr><tr><td>Pets<\/td><\/tr><tr><td>Rules for smoking and drinking<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Reconsider your lease<\/h3>\n\n\n\n<p>If you find that the living situation is not working, it\u2019s time to have a conversation about it. Review your lease for options, fees, and notice requirements, and ask for an itemized, \u201call\u2011in\u201d cost sheet (rent plus recurring fees) if you plan changes. Transparency on application, admin, pet, and parking fees has been a policy focus (<a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFPB<\/a>). If you decide to go your separate ways, your options are somewhat dependent on your lease.&nbsp;<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><strong>Subletting<\/strong>: If your roommate chooses to move out, check your lease and see if you have the option to <a href=\"https:\/\/www.zillow.com\/blog\/subletting-legal-tips-178943\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">sublet their room<\/a>. If you do, make sure you talk to your landlord about the details.<\/li><li><strong>Shortening your lease<\/strong>: Some landlords are more flexible than others. Some may allow you to transition to a <a href=\"https:\/\/realestate.usnews.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">month to month option<\/a> to avoid ending your lease entirely.&nbsp;<\/li><li><strong>Breaking your lease<\/strong>: It\u2019s important that you know when to leave. If the situation is unlivable or dangerous, staying to save money isn\u2019t worth it. If subletting is not an option in your lease, you may be forced to <a href=\"https:\/\/themortgagereports.com\/36871\/what-happens-if-you-break-a-lease\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">break your lease<\/a>.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"scams\">Rental Scams<\/h2>\n\n\n\n<p>Rental scams are designed to trick you out of money by misrepresenting the <a href=\"https:\/\/www.usa.gov\/housing-scams\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">price or availability<\/a> of the property. Scammers increasingly hijack legitimate listings, impersonate owners or managers, and push for instant, hard\u2011to\u2011reverse payments (Zelle, Cash App, wire, crypto). If you come across a rental scam, report it to the <a href=\"https:\/\/consumer.ftc.gov\/articles\/rental-listing-scams\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FTC<\/a>, the <a href=\"https:\/\/www.ic3.gov\/Media\/PDF\/AnnualReport\/2024_IC3Report.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FBI IC3<\/a>, your <a href=\"https:\/\/www.usa.gov\/state-consumer\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">State Consumer Protection Services<\/a>, and local law enforcement. High\u2011risk venues include social marketplaces and informal group chats; insist on identity verification and safe payment methods (<a href=\"https:\/\/www.hud.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">HUD<\/a>).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"\"><tbody><tr><td>Rental scam<\/td><td>Red flag<\/td><td>What you should do<\/td><\/tr><tr><td>Copied listings<\/td><td>Scammers sometimes <a href=\"https:\/\/www.trulia.com\/guides\/how-to-spot-a-rental-scam\/\">copy and paste<\/a> legitimate listings to create their own. Generally, the price is too good to be true and requires a deposit right away.<\/td><td>Cross\u2011check on multiple reputable portals, reverse\u2011image\u2011search photos, and verify owner\/manager identity via public records before any payment. Keep screenshots and message logs (<a href=\"https:\/\/consumer.ftc.gov\/articles\/rental-listing-scams\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FTC<\/a>).&nbsp;<\/td><\/tr><tr><td>Renting on behalf of the owner<\/td><td>This scam advertises that&nbsp; the owner may be out of the country or sick and needs someone else to rent their property. The details of these listings are generally very vague.<\/td><td>Do your research to find out who owns this property. <a href=\"https:\/\/www.consumer.ftc.gov\/blog\/2019\/06\/keys-avoiding-home-rental-scams\">Ask them for identification <\/a>on any tours and verify licensing for property managers via state databases.<\/td><\/tr><tr><td>Asking to wire money<\/td><td>One of the <a href=\"https:\/\/realestate.usnews.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">clearest cases<\/a>, the person renting the property will ask you to wire your security deposit, sometimes even the first month\u2019s rent.<\/td><td>Never wire money or send crypto, gift cards, or instant P2P payments to strangers. Use traceable, reversible methods only after identity verification and a signed lease (<a href=\"https:\/\/consumer.ftc.gov\/articles\/rental-listing-scams\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FTC<\/a>; <a href=\"https:\/\/www.ic3.gov\/Media\/PDF\/AnnualReport\/2024_IC3Report.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FBI IC3<\/a>).<\/td><\/tr><tr><td>Signing a lease right away<\/td><td>Another staple of common scams, they will ask you to sign the lease or put down a deposit without ever seeing the property or doing a background check.<\/td><td>Do not sign anything or pay before an interior tour and identity verification. Avoid off\u2011platform application links; confirm any online forms resolve to a verified manager\u2019s site (<a href=\"https:\/\/consumer.ftc.gov\/articles\/rental-listing-scams\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FTC<\/a>).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Safety tips for touring<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Use the buddy system<\/h4>\n\n\n\n<p>It\u2019s always a good idea to take someone with you when touring an apartment. Regardless of your gender, bringing a parent or roommate along is one way to avoid unexpected situations. Also establishing a signal or code if you become uncomfortable can help your buddy know when to remove you from the situation.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Keep family updated<\/h4>\n\n\n\n<p>If you do have to go alone, make sure that you keep your family updated on your plans. Give them all the information you have: the address, the landlord\u2019s name, contact information, and if anything changes. Downloading a <a href=\"https:\/\/www.nytimes.com\/interactive\/2018\/12\/10\/business\/location-data-privacy-apps.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">location-tracking app<\/a> can take care of some of the upkeep.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Do your research<\/h4>\n\n\n\n<p>Before you go on any property tours, do diligent research. Cross\u2011check listings on multiple sites, confirm the property owner via county records, and verify any manager\u2019s license using your state\u2019s database. Be cautious of QR codes and off\u2011platform links; scammers often move conversations to SMS\/WhatsApp to avoid platform safeguards (<a href=\"https:\/\/consumer.ftc.gov\/articles\/rental-listing-scams\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FTC<\/a>).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ask for identification<\/h4>\n\n\n\n<p>Confirm the person you are meeting with is the person you expect. Sometimes you will meet at the leasing office to do some paperwork, but you may also meet them directly at the property. Ask for their driver\u2019s license and any additional agent credentials they may have to make sure they are the right person. If something seems off, pause and verify through official phone numbers or websites.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"insurance\">Opt for Renters Insurance<\/h2>\n\n\n\n<p>It falls on you to protect your belongings and liability. A standard renters (HO\u20114) policy covers personal property, personal liability, loss of use (additional living expenses), and small medical payments to guests (<a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Texas Department of Insurance<\/a>). Typical national pricing is about $14\u2013$15 per month on average, with state and coverage variation (<a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NAIC 2022 average<\/a>; <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Bankrate 2025<\/a>).<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><strong>Personal possessions<\/strong>: Your belongings are covered for named perils like fire and theft, usually at actual cash value by default. Ask for a replacement cost endorsement so claims pay today\u2019s cost to replace. Floods and earthquakes are excluded and need separate policies (<a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>).<\/li><li><strong>Liability<\/strong>: Protects you if you\u2019re legally responsible for injuries or property damage to others, on or off premises; common limits offered are $100,000\u2013$300,000 or higher, with legal defense included per policy terms (<a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>).<\/li><li><strong>Additional living expenses (ALE)<\/strong>: Pays extra costs (hotel, meals, laundry) if a covered loss makes your place uninhabitable, up to policy limits (<a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>).&nbsp;<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"\"><tbody><tr><td>Common misconceptions about renters insurance<\/td><\/tr><tr><td>It\u2019s too expensive<\/td><td>Renters insurance is among the most affordable policies. The latest official average is in the mid\u2011$170s\/year (~$14\u2013$15\/month), though prices vary by state, limits, and deductible (<a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NAIC<\/a>; <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Bankrate 2025<\/a>).<\/td><\/tr><tr><td>You don\u2019t need it if you don\u2019t have much<\/td><td>Even a basic setup adds up. Inventory your belongings and set a property limit that fits (many renters start around $25,000\u2013$50,000). Theft of items off\u2011premises (like a laptop from the library) is often covered, subject to your deductible (<a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>).<\/td><\/tr><tr><td>It only covers what\u2019s in my home<\/td><td>Policies usually include off\u2011premises coverage for your belongings (policy terms apply) and liability coverage if you accidentally damage others\u2019 property (e.g., a tub overflow). Beware category sublimits for theft of jewelry\/electronics; schedule valuables to raise limits (<a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>).<\/td><\/tr><tr><td>My landlord has insurance, so I don\u2019t need it<\/td><td>Landlord insurance covers the building, not your belongings or your liability. Many landlords require tenants to carry renters insurance and list the landlord as \u201cadditional interest\u201d for notices (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Triple\u2011I<\/a>; <a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>).&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Sharing insurance with roommates<\/h3>\n\n\n\n<p>Most policies only cover the named insureds on the policy; roommates typically need their own policy unless your insurer explicitly allows adding them. Sharing a policy can complicate claims and tie your rate to your roommate\u2019s loss history (<a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>). Weigh small premium savings against simpler, separate coverage. Some companies allow roommates to share the same renters insurance, which is particularly helpful for college students with limited funds. Though some states, like Florida, don\u2019t allow you to share insurance unless it is your spouse. For the states that do, it doesn\u2019t mean you should. There are some obvious benefits like splitting costs and saving money. Though there are some downsides to consider before deciding to share your insurance: Filing a claim becomes very complicated if you share your insurance with a roommate. Additionally, any past claims they have filed can impact you and <a href=\"https:\/\/www.allstate.com\/tr\/renters-insurance\/renters-insurance-for-roommates.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">raise your insurance rate<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Insurance protects you from possible damage<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Fire<\/h4>\n\n\n\n<p>It never hurts to take precautions. Unsuspecting things can cause real damage if you aren\u2019t careful. If you enjoy candles or string lights, follow safety guidance and never leave them unattended. Try using <a href=\"https:\/\/www.amazon.com\/Lumineo-White-String-Lights-Auto-Timer\/dp\/B005YFY9K8\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">string lights with an auto-turn off<\/a> feature. Contents lost to covered fire are typically insured up to your personal property limit (consider replacement cost coverage; <a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Theft<\/h4>\n\n\n\n<p>Lock doors and windows; many theft claims involve easy access. Off\u2011premises theft (e.g., a stolen laptop from a coffee shop) may be covered, subject to policy terms and deductibles. Category sublimits can apply to jewelry\/electronics \u2014 schedule valuables to raise limits (<a href=\"https:\/\/www.tdi.texas.gov\/tips\/renters-insurance.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">TDI<\/a>). <a href=\"https:\/\/www.geico.com\/living\/home\/home-protection\/apartment-security\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">60% of residential robberies<\/a> happen as a result of open windows or doors.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Property damage<\/h4>\n\n\n\n<p>Accidents happen when you host. Personal liability can cover accidental damage or injuries to others, and your policy can include small medical payments to guests regardless of fault. Choose liability limits to match your risk tolerance (many renters select $100k\u2013$300k; higher options exist). <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Water damage<\/h4>\n\n\n\n<p>Report leaks immediately and document them with photos and dates. Standard policies exclude many types of water damage like sewer or drain backup \u2014 consider a water backup endorsement if available. Flood is excluded; renters can purchase contents\u2011only flood coverage through NFIP, generally up to $100,000 with a typical 30\u2011day waiting period (<a href=\"https:\/\/www.fema.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FEMA<\/a>).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Pests\/bugs<\/h4>\n\n\n\n<p>You share a lot of things when you live in an apartment building: an elevator or stairwell, smells, walls and potential pests. <a href=\"https:\/\/engineeringhomeinspections.com\/common-wood-destroying-insects\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Wood-destroying insects<\/a> can damage the structural integrity of your home, so exterminating them is essential. Cleaning regularly and throwing away your garbage in <a href=\"https:\/\/www.allstate.com\/tr\/renters-insurance\/renters-insurance-for-roommates.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">sealed receptacles<\/a>are some of the ways to avoid pests in your home. If you do find them, read your lease, contact the property management and discuss what steps to take.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"lease\">Read Your Lease Carefully<\/h2>\n\n\n\n<p>Your lease is a <a href=\"https:\/\/www.tenantresourcecenter.org\/reading_your_lease\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">legally binding contract<\/a> between you and your landlord. Read it fully before you sign and ask for a written, itemized \u201call\u2011in\u201d monthly cost (rent plus recurring fees) and a line\u2011item list of one\u2011time move\u2011in charges. Application, admin, pet, parking, and convenience fees are common, and transparency has been a 2024\u20132025 enforcement focus (<a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFPB<\/a>). Confirm what utilities are included, whether renters insurance is required, and any fee caps or local deposit rules (e.g., California generally caps deposits at one month\u2019s rent as of July 1, 2024; <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202320240AB12\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">AB 12<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Know your rights<\/h3>\n\n\n\n<p>The rights you hold as a tenant vary by state and city, but core federal protections apply. The Fair Housing Act bars discrimination on protected characteristics; you can file a complaint with HUD. If a landlord uses a screening report to deny you or change terms, you must receive an adverse action notice and a free copy with the right to dispute errors (FCRA). Many jurisdictions also advanced local reforms since 2020, including security deposit caps, limits on screening uses, eviction record sealing, and right\u2011to\u2011counsel programs (<a href=\"https:\/\/www.hud.gov\/program_offices\/fair_housing_equal_opp\/complaint-process\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">HUD complaint process<\/a>; <a href=\"https:\/\/www.consumerfinance.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFPB screening rights<\/a>; <a href=\"https:\/\/www.ncsl.org\/housing-and-homelessness\/eviction-record-sealing-and-expungement\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NCSL eviction record sealing<\/a>; <a href=\"https:\/\/www.ncsl.org\/housing-and-homelessness\/right-to-counsel-in-eviction-cases\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NCSL right to counsel<\/a>; <a href=\"https:\/\/www.governor.ny.gov\/news\/governor-hochul-announces-fy-2025-enacted-budget\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NY good\u2011cause update<\/a>; <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202320240AB12\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CA AB 12<\/a>).<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><strong>Reasonable accommodations<\/strong>: If you have a disability, your landlord must make <a href=\"https:\/\/www.justice.gov\/crt\/us-department-housing-and-urban-development\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">reasonable accommodations<\/a> for you. This may include installing ramps or assigning a ground-level unit; major remodeling is not required.&nbsp;<\/li><li><strong>Safe living conditions<\/strong>: Landlords must keep your rental habitable and fix essential services in a timely manner. Report issues in writing and keep records; follow local rules before withholding rent or using repair\u2011and\u2011deduct (<a href=\"https:\/\/www.trulia.com\/guides\/landlord-tenant-law\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">habitability overviews<\/a>).<\/li><li><strong>Notice of entry:<\/strong> Landlords cannot come by unannounced; many jurisdictions require at least <a href=\"https:\/\/www.cesinaction.org\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">24 hours notice<\/a> except for emergencies.<\/li><li><strong>Security deposits: <\/strong>Check caps, interest requirements, and return deadlines. Some places now cap deposits (e.g., California generally at one month\u2019s rent) and require itemized deductions (<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202320240AB12\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">AB 12<\/a>).<\/li><li><strong>Notice of eviction: <\/strong>If you face eviction, seek legal help quickly. Some cities\/states have right\u2011to\u2011counsel and diversion\/mediation programs; many states allow sealing certain eviction records (<a href=\"https:\/\/www.ncsl.org\/housing-and-homelessness\/right-to-counsel-in-eviction-cases\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NCSL<\/a>; <a href=\"https:\/\/www.ncsl.org\/housing-and-homelessness\/eviction-record-sealing-and-expungement\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NCSL<\/a>).&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ways to lose your deposit&nbsp;<\/h3>\n\n\n\n<p>Everyone wants their security deposit back. State laws set caps, deductions, and return deadlines, so check your jurisdiction. Provide written notice to vacate as required, complete a move\u2011out walkthrough with photos, and request an itemized statement of any deductions. Most states give the landlord <a href=\"https:\/\/www.trulia.com\/guides\/security-deposit-refund\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">30 days from your move out date<\/a> to return your deposit (or provide an accounting), but timelines vary. Common ways to lose part of your deposit include:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"\"><tbody><tr><td>Property damage<\/td><td>Your lease will state the definition of <a href=\"https:\/\/money.usnews.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">normal wear and tear.<\/a> Any damage outside of that classification will result in the forfeiture of your security deposit. Depending on how severe the damage is, your deposit may not cover it and you would get a bill from management.&nbsp;<\/td><\/tr><tr><td>Not cleaning before you leave<\/td><td>Landlords do not expect your apartment to be perfectly clean when you leave. Though if excessive cleaning is required or if they have to hire someone to come in, they will use your deposit to <a href=\"https:\/\/www.trulia.com\/blog\/6-ways-to-avoid-losing-a-rental-security-deposit\/\">cover the costs<\/a>.&nbsp;<\/td><\/tr><tr><td>Leaving before your lease is up<\/td><td>Your lease states what <a href=\"https:\/\/www.forbes.com\/sites\/trulia\/2015\/02\/06\/7-ways-to-avoid-losing-your-security-deposit\/#dc9b4943f924\">kind of notice is required to vacate<\/a> your apartment. If you do not follow what is outlined and leave early, you forfeit the deposit.&nbsp;<\/td><\/tr><tr><td>Leaving your belongings<\/td><td>Never leave anything in the apartment once you\u2019ve moved. In some states, you aren\u2019t \u201cmoved out\u201d <a href=\"https:\/\/www.trulia.com\/blog\/6-ways-to-avoid-losing-a-rental-security-deposit\/\">until everything you own<\/a> is out of unit. If you leave something, your landlord might be able to charge you an extra month\u2019s rent.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"decorating\">Decorating Without Causing Damage<\/h2>\n\n\n\n<p>Don\u2019t stress over your security deposit \u2014 it doesn\u2019t mean you can\u2019t decorate. Ask what\u2019s allowed, and favor removable, non\u2011damaging options. Renter\u2011friendly energy and comfort upgrades can also save money: swap to LEDs, use smart plugs, add removable weather\u2011stripping or interior window film to reduce drafts, and choose faucet aerators\/low\u2011flow showerheads. An ENERGY STAR certified smart thermostat can save about 8% on heating\/cooling if your system allows one (<a href=\"https:\/\/www.energystar.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">ENERGY STAR LEDs<\/a>; <a href=\"https:\/\/www.energystar.gov\/products\/smart_thermostats\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">smart thermostats<\/a>; <a href=\"https:\/\/www.epa.gov\/watersense\/fix-leak-week\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">EPA WaterSense<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hanging art<\/h3>\n\n\n\n<p>Many landlords are flexible on allowing you to hand things their rental properties. Even still, there are great alternatives to making holes in your walls. There are a ton of <a href=\"https:\/\/www.amazon.com\/s?k=adhesive+hooks&amp;crid=1FZBQB5NVOFMZ&amp;sprefix=adhe%2Caps%2C149&amp;ref=nb_sb_ss_i_1_4\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">adhesive hanger<\/a> options on the market. You can choose by size, color, and how much weight they can hold. When you want to hang things that aren\u2019t framed, try <a href=\"https:\/\/www.amazon.com\/MT-Masking-Bright-Colors-MT20P002\/dp\/B00DKI9816\/r?creativeASIN=B00DKI9816&amp;linkCode=w61&amp;imprToken=XiQ00eXscDOryV28r5xHVw&amp;slotNum=13&amp;tag=apartmentth0a-20\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Washi tape<\/a> or other colorful vinyls. Use them to make patterns or hang your favorite pictures.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Wall alterations<\/h3>\n\n\n\n<p>Why settle for plain white walls when you can dress them up with <a href=\"https:\/\/www.amazon.com\/s?k=removable+wallpaper&amp;ref=nb_sb_noss_2\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">peel and stick wallpaper<\/a>? Made for hanging in rentals, removable wallpaper is a fun way to transform your rental. For a functional twist, try <a href=\"https:\/\/www.amazon.com\/s?k=chalkboard+wallpaper+stick+and+peel&amp;i=garden&amp;crid=1QFWL0AECC2AJ&amp;sprefix=chalkboard+wall%2Cgarden%2C144&amp;ref=nb_sb_ss_i_1_15\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">removable chalkboards<\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Rugs<\/h3>\n\n\n\n<p>If you aren\u2019t in love with the flooring in your rental, try adding <a href=\"https:\/\/www.amazon.com\/s?k=rugs&amp;ref=nb_sb_noss_2\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">rugs<\/a> to liven up the room. Having rugs in your home also protects your floors. What\u2019s not to love about that? To avoid any injury to yourself or guests, consider adding a <a href=\"https:\/\/www.amazon.com\/s?k=rugs+backers&amp;ref=nb_sb_noss_2\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">non-slip backing<\/a> to your rugs on vinyl or hardwood floors.&nbsp;<\/p>\n\n\n\n<p>Navigating the rental process for the first time is both exciting and scary. The best preparation is to be well\u2011informed: build an \u201call\u2011in\u201d budget with fees and commute costs, align with roommates using written agreements and digital tools, compare multiple listings and verify identities to avoid scams, choose the right renters insurance options for your situation, and know your evolving rights under federal, state, and local law.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"resources\">Downloadable Resources<\/h2>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/03\/reviews_landlord_questions.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Questions to Ask Your Landlord<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/03\/reviews_roommate_questions.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Questions For Potential Roommates<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Renting your first apartment is a big deal, regardless if you\u2019re moving off campus or out of your parents\u2019 basement. You\u2019re an adult and you finally get to do what you want \u2014 and take on new costs and choices. Along with monthly rent and renters insurance, plan for realistic move-in cash needs and ongoing [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":332114,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1273],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Student Guide to Renting for the First Time | Reviews.com<\/title>\n<meta name=\"description\" content=\"Renting your first apartment is a big deal, regardless if you\u2019re moving off campus or out of your parents\u2019 basement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/renters\/student-guide-to-renting\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Student Guide to Renting for the First Time | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Renting your first apartment is a big deal, regardless if you\u2019re moving off campus or out of your parents\u2019 basement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/renters\/student-guide-to-renting\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-07T18:12:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-07T18:12:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/03\/GettyImages-1171096258-e1584126530273.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Reviews Staff\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Student Guide to Renting for the First Time | Reviews.com\" \/>\n<meta name=\"twitter:description\" content=\"Renting your first apartment is a big deal, regardless if you\u2019re moving off campus or out of your parents\u2019 basement.\" \/>\n<meta name=\"twitter:creator\" content=\"@Reviews\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reviews Staff\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"21 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/renters\/student-guide-to-renting\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Student Guide to Renting for the First Time\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Student Guide to Renting for the First Time | Reviews.com","description":"Renting your first apartment is a big deal, regardless if you\u2019re moving off campus or out of your parents\u2019 basement.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/renters\/student-guide-to-renting\/","og_locale":"en_US","og_type":"article","og_title":"Student Guide to Renting for the First Time | Reviews.com","og_description":"Renting your first apartment is a big deal, regardless if you\u2019re moving off campus or out of your parents\u2019 basement.","og_url":"https:\/\/www.reviews.com\/insurance\/renters\/student-guide-to-renting\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","article_published_time":"2025-11-07T18:12:24+00:00","article_modified_time":"2025-11-07T18:12:25+00:00","og_image":[{"width":900,"height":600,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/03\/GettyImages-1171096258-e1584126530273.jpg","type":"image\/jpeg"}],"author":"Reviews Staff","twitter_card":"summary_large_image","twitter_title":"Student Guide to Renting for the First Time | Reviews.com","twitter_description":"Renting your first apartment is a big deal, regardless if you\u2019re moving off campus or out of your parents\u2019 basement.","twitter_creator":"@Reviews","twitter_site":"@Reviews","twitter_misc":{"Written by":"Reviews Staff","Est. reading time":"21 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/renters\/student-guide-to-renting\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Student Guide to Renting for the First Time"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts\/332102"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=332102"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts\/332102\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/332114"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=332102"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=332102"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=332102"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=332102"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}