Southern California’s real estate market is as cold as the snow currently adorning the peaks of its mountains. Interest rates are up. Inventory is down. And deals are few and far between.
In slow markets, the agents at the top — those with experience, connections and plenty of clients — typically maintain a modest but steady stream of business. It’s the agents at the bottom — those just getting into the industry who’ve only managed to close a handful of sales — who starve.
As those agents have grown more desperate for leads, they’re trying alternative ways of finding them. Some are outsourcing the work overseas, and others are turning to AI or automation in a last-ditch attempt to find a seller.
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During the record-breaking pandemic market, there were so many transactions that most determined real estate agents were able to make a living. More than 43,000 single-family homes traded hands in L.A. County in 2021, and more than 42,000 were sold in 2022, according to the Multiple Listing Service.
During that time, tens of thousands joined the National Assn. of Realtors, or NAR, with membership swelling to a record 1.6 million in 2022, up 200,000 since 2020. Real estate wasn’t just a solid job; it was a way to leap into a higher tax bracket.
But then the market started to freeze in 2023 as mortgage rates shot up. Only 11,539 single-family homes sold that year, and sales are at a similar pace so far this year.
Some agents are simply calling it quits. In California alone, NAR lost 9,723 members from December 2023 to January 2024 — a 4.75% decline . But even after the drop, California still holds the second-most active Realtors in the nation at 194,964, and they’re all fighting for an extremely small pool of sellers.
At the peak of the pandemic market, Tyler Andrews, 29, tried his hand at real estate in the Inland Empire, thinking he would use his outgoing personality to sell homes as L.A. residents flocked to the area during the pandemic. He got his license and helped a few friends with their house hunts, but ultimately didn’t earn any commission and stopped in 2023.
He’s one of many agents who rushed into real estate hoping for a taste of California’s latest gold rush.
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From the outside, listing a house in a hot market seems like the easiest of get-rich-quick schemes. Homes sell in days, and a 3% agent’s commission on a $1-million sale comes out to $30,000. If you represent both sides of the deal, it turns into $60,000.
But the real estate industry isn’t an easy one to break into. You typically get paid only if you close a sale, and in any market, most homeowners still prefer to go with an agent with experience.
In a hot market, sellers find an agent. In a cold market, agents have to find a seller. The situation is coming to a boil in many areas, such as Leimert Park, where residents have been barraged by agents asking whether they’re interested in putting their homes up for sale.
Cold calling is time consuming — and stressful, considering the ire it draws from those on the receiving end. So some agents are handing that thankless task to machines.
A handful of companies such as Slybroadcast and Salesmsg offer “ringless voicemail,” a robocall-adjacent tool enabling agents to send pre-recorded messages straight to your voicemail box without your phone ever ringing. The messages are often meant to trick you into thinking you missed a call, saying things like, “Sorry I missed you! Give me a call back whenever you get a chance.”
In 2022, the Federal Communications Commission declared the trend a form of robocalling and said it’s illegal if the caller doesn’t have the recipient’s prior consent. But that hasn’t stopped agents from sending out such voicemails to potential clients.
“I don’t have time to cold call all day,” said one real estate agent who asked to remain anonymous due to the potential taboo of using the technology. “I have to find clients somehow, and in a market like this, you have to get creative.”
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The thinking is this: An agent could spend eight hours a day calling every home in a neighborhood to ask whether they want to sell their home. Or they could send out 500 ringless voicemails simultaneously, and those who bother to call back have a better chance of needing the services of a real estate agent.
Andrews said he had heard of other agents trying such technology as the market got colder in 2023, but he never bothered doing it himself because it didn’t seem authentic. It also would’ve been an extra expense — one he didn’t have a budget for.
Mary Thompson has owned her home in Beverly Crest for more than a decade. Over the last year, she’s received multiple ringless voicemails asking whether she wants to list or buy a house.
“I was fooled by the first one. I called back and ended up on the phone with an agent for 15 minutes asking about my plans as a homeowner,” she said. “I don’t bother calling back anymore.”
U.S. consumers received more than 55 billion robocalls in 2023, 5 billion more than the previous year, according to the YouMail Robocall Index. Roughly 15 billion were telemarketing calls, and 8 billion were scams. California consistently ranks as the state with the second-most robocalls, behind only Texas.
As a response to thousands of unwanted call complaints, the FCC has established a Robocall Response Team to combat the influx of robocalls, many of which are targeted toward homeowners.
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Last year, the commission shut down a robocalling campaign from MV Realty, a real estate brokerage that was sending out robocalls with misleading claims about mortgages. A whistleblower from the company told a Seattle news outlet that employees were directed how to use software called PhoneBurner and required to make at least 450 calls per day.
Other companies such as VoiceSpin give agents access to auto-dialing software, which, like it sounds, automatically dials numbers from a list. VoiceSpin claims to use AI and machine learning and enables agents to drop voicemails straight into inboxes, record calls or even use local area codes so you’re more likely to pick up.
In that case, you’d be talking to an agent, but sometimes you might find yourself unwittingly conversing with a robot.
The tech company Ylopo recently uploaded a video showcasing an AI assistant conversing with a potential home buyer planning a move to the North or South Carolina coast. The company said it’s “one of thousands of AI calls being made daily already for Ylopo clients.”
Cinc, a real estate lead generation platform, offers agents an AI-powered digital assistant that purposefully misspells words and uses emojis to make interactions with potential leads appear more human.
The NAR itself offers an AI scriptwriter powered by ChatGPT that analyzes housing trends so that agents can appear more knowledgeable about the market. Agents can even choose the tone: professional, engaging or conversational.
Earlier this month, the FCC continued its fight against robocalling by outlawing robocalls that use AI-generated voices. Since the ruling is so fresh, it’s unclear how companies utilizing the technology will be affected.
In a market as slow as this one, even finding numbers to call becomes a challenge; tech becomes useless if it’s being wasted on the wrong potential clients. So many agents are looking for leads.
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On Fiverr, an online marketplace for freelance services, a glut of listings has popped up offering agents potential leads on prospective buyers or sellers. One of the most prolific is Abhishek Rai, who has racked up more than 3,000 five-star reviews offering leads on motivated sellers, vacant properties or absentee owners since joining the platform in April 2020.
Rai, who’s based in India and uses the handle @virtualguy2020, typically charges $10 for 100 leads, $50 for 650 and $100 for 1,500.
“Real estate agents have demanding schedules, and outsourcing lead generation tasks allows them to focus on other aspects of their business, such as client meetings, property showings, and negotiations,” he said.
Rai has clients across the U.S., including many in Southern California. He added that generating leads is a specialized skill and not every agent has the expertise to find them on their own.
For his leads, he combs through public records, online databases and real estate sources such as property records, tax records and foreclosure listings.
To be clear, the vast majority of agents in Southern California still conduct business the old-fashioned way. But the ones trying new things are often doing so in order to make a living.
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In 2022, Realtors with 16 or more years of experience made a median gross income of $80,700, according to the NAR. But those with two years or less experience made just $9,600.
According to a report from business networking platform Alignable, 31% of real estate firms struggled to pay rent for their office in January.
AI’s subtle invasion of the real estate industry doesn’t necessarily come as a surprise because the technology has pervaded nearly every profession over the last few years. But for an industry that has long relied on human connection — handshakes, open houses, fresh flowers and other personal touches — AI’s cold, sterile seep into housing has become unnerving for some.
“When I do need a real estate agent, I need one that I can connect with,” Thompson said. “I don’t want anything to do with their AI assistant.”
Let’s talk about how sublets work and outline everything you need to know about subletting.
What is subletting?
Subletting is a process where a tenant rents their apartment to someone else for the duration of the lease. The terms and conditions of the original lease stay the same and the original tenant’s name remains on the lease, but the new tenant moves in and becomes responsible for paying rent and utilities. Subletting allows the original tenant to move while renting out their old space to someone new.
A few helpful definitions
Before we explain how sublets work in more detail, here are a few keywords defined.
Subleasing: Subleasing is another term for subletting. Both words refer to the process of renting an apartment or room to someone else.
Lessor: A lessor is someone — commonly called a landlord or property manager — who owns the property and rents it out.
Lessee: The lessee is also known as the renter or tenant. A lessee rents a room or apartment from the lessor.
Sublessee: A sublessee, also called a subtenant, is the person who rents a room or apartment from the lessee when subletting.
Reasons to sublet an apartment
Ideally, when you rent an apartment, you can commit to the terms of the lease. However, life happens and you may find yourself needing to move out prior to the end of the lease. Some situations for moving out early and needing to sublet may include:
Getting married
Having a baby
Graduating college
Relocating for work
Needing more room
Cutting expenses
Moving back home
Regardless of the reason, subletting is a viable option to consider.
How do sublets work?
So, you’ve found yourself in a situation where you need to move, you don’t want to break the lease and you’ve decided to sublet your apartment. Here’s how to go about subletting an apartment.
1. Review your lease agreement
Before you start interviewing candidates for a sublessee, you need to take some time to thoroughly review your current lease agreement. You’ll want to check that subletting is allowed in the first place and fully understand what you can and can’t do.
If you need help understanding the legal jargon of your lease agreement, talk to a lawyer or your landlord. This is a scenario when the fine print matters.
2. Make sure subletting is legal in your state
In some states, subletting is legal, and in others, it’s not. Laws vary state by state so you’ll need to conduct research to understand if subletting is legal in your state.
3. Talk to your landlord
Once you’ve done your homework, reviewed the lease and state laws, it’s time to talk to your landlord and let them know you’d like to sublet the apartment. It’s polite to ask, and not tell them, what you’re doing. Schedule a meeting to let the lessee know your intentions and go over any and all details that are necessary to formally sublet the space.
You can also send them a formal letter requesting permission to sublet.
4. Find a sublessee
Once you’re in agreement with your landlord that you can sublet the apartment, it’s time to find a sublessee. This is your responsibility, not the landlords. You can place ads for a sublessee on social media groups or check out different apps that help you search for roommates or sublessees. Just make sure you find someone you trust as your name is still legally on the lease and your reputation is on the line.
5. Determine the details of your subletting agreement
When you’ve found someone to sublet the apartment, schedule a meeting to go over the details of the subletting agreement. How long will you sublet for? Will the sublessee be responsible for all rent and utilities? When can they move in? Do they need to pay you a security deposit? Get all of the details worked out ahead of time.
6. Get your subletting agreement in writing
Verbal agreements are not sufficient when it comes to subletting. Get all of the details written down so you have a paper trail should things go awry.
7. Coordinate the move with your new sublessee
Have everything in order with your landlord and sublessee? Now it’s time to coordinate the details of when the transition will happen.
Pros and cons to consider when subletting an apartment
As with everything in life, there are pros and cons to subletting an apartment. Because a lease is a legally binding contract, you want to take it seriously and really understand the repercussions — both good and bad — of subletting your apartment.
Pros of subletting an apartment
Keep your lease intact: Subletting allows you to keep your lease intact without breaking the terms and conditions or paying a penalty for breaking the lease early.
Keep your deposits: Subletting allows you to keep the security deposit and first and last month’s rent without forfeiting it. You can save a lot of money by subletting an apartment.
Ability to move as needed: When you find yourself needing to move quickly, subletting allows you to move and still keep your current place of residence. Perhaps you just need to move for three months and want to come back in 90 days? Subletting allows you that freedom.
Cons of subletting an apartment
Difficult to find a sublessee: It can be difficult to find someone trustworthy to take over your lease in a pinch. You want to make sure you trust the sublessee as the lease is still legally in your name.
Stressful to coordinate: Planning a move is difficult in and of itself, let alone trying to coordinate with a sublessee.
Potential of sublessee backing out: While you’ll want to get an agreement in writing with your sublessee, they still can back out of the agreement, leaving you in a bind.
Subletting is an option to keep in mind
Now that we’ve reviewed how sublets work, you’ll know how and what to do should you ever need to sublet an apartment yourself. Or, if you’re looking for a place to rent but don’t want to sign a lease yourself, being a sublessee may be the right option for you.
Sage Singleton is a freelance writer with a passion for literature and words. She enjoys writing articles that will inspire, educate and influence readers. She loves that words have the power to create change and make a positive impact in the world. Some of her work has been featured on LendingTree, Venture Beat, Architectural Digest, Porch.com and Homes.com. In her free time, she loves traveling, reading and learning French.
When it comes to California, there’s no denying the diverse and vibrant energy that fills the state. From the bustling streets of Los Angeles to the laid-back vibes of San Diego, California offers something for everyone. With a population of nearly 40 million, the Golden State is a melting pot of cultures, cuisines, and lifestyles. Whether you’re drawn to the tech hubs or the iconic landmarks, California’s unique charm and endless opportunities make it an exciting place to call home. So, if you’re considering a move to California, this Redfin article will guide you through the biggest cities in the state.
1. Los Angeles, California
Population: 3,898,747 Median Sale Price: $959,000 Los Angeles, CA homes for sale Los Angeles, CA houses for rent
Living in Los Angeles means enjoying a diverse cultural scene, beautiful beaches, and vibrant nightlife. The city is known for its entertainment industry, with Hollywood being a major attraction. With diverse neighborhoods, such as Beverly Hills and Santa Monica, unique charm and attractions are all around.
2. San Diego, California
Population: 1,386,932 Median Sale Price: $875,000 San Diego, CA homes for sale San Diego, CA houses for rent
San Diego is known for its beautiful weather, stunning beaches, and laid-back lifestyle. Residents can enjoy outdoor activities such as surfing, hiking, and sailing. For another vibe, visit Balboa Park, with its museums and gardens, is a cultural hub, and the Gaslamp Quarter offers a lively nightlife and dining scene.
3. San Jose, California
Population: 1,013,240 Median Sale Price: $1,300,000 San Jose, CA homes for sale San Jose, CA houses for rent
Moving to San Jose in the heart of Silicon Valley promises an immersive experience within a thriving tech industry and a diverse community. The city offers a mix of urban and suburban living, with neighborhoods like Willow Glen and Santana Row offering unique shopping and dining experiences.
4. San Francisco, California
Population: 873,965 Median Sale Price: $1,177,500 San Francisco, CA homes for sale San Francisco, CA houses for rent
Living in San Francisco means enjoying a beautiful arts and culture scene and stunning bay views. The city has iconic landmarks, such as the Golden Gate Bridge and Alcatraz Island that attracts visitors annually. Explore the historic architecture, visit museums and art galleries, and enjoy the city’s renowned food scene.
5. Fresno, California
Population: 542,107 Median Sale Price: $360,000 Fresno, CA homes for sale Fresno, CA houses for rent
Fresno offers a more affordable living cost than other California cities, with a strong sense of community and a growing arts scene. With nearby national parks, such as Yosemite and Sequoia, outdoor recreation opportunities awaits.
6. Sacramento, California
Population: 524,943 Median Sale Price: $456,250 Sacramento, CA homes for sale Sacramento, CA houses for rent
With a mix of urban and suburban living, Sacramento boasts a rich history and a growing food scene. The city has many tree-lined streets and historic architecture, with neighborhoods like Midtown and Land Park. You can also enjoy the nearby riverfront and explore the city’s many parks and outdoor spaces.
7. Long Beach, California
Population: 466,742 Median Sale Price: $795,000 Long Beach, CA homes for sale Long Beach, CA houses for rent
From its iconic waterfront to its urban life, Long Beach includes a laid-back beach culture, eclectic neighborhoods, and a rich maritime heritage. The city has waterfront attractions, such as the Queen Mary and the Aquarium of the Pacific.
8. Oakland, California
Population: 440,646 Median Sale Price: $825,000 Oakland, CA homes for sale Oakland, CA houses for rent
Oakland stands as a city with spirit amid the iconic San Francisco skyline. This city offers a mix of historic and modern architecture, with neighborhoods like Rockridge and Temescal offering unique shopping and dining experiences. Its proximity to the Bay Area allows residents to enjoy many urban amenities, including cultural events and trendy cafes.
9. Bakersfield, California
Population: 403,455 Median Sale Price: $385,000 Bakersfield, CA homes for sale Bakersfield, CA houses for rent
Another affordable city in California is Bakersfield. Explore the nearby national parks, such as Sequoia and Kings Canyon, and enjoy the city’s diverse food scene. The city also hosts various events and festivals like Village Fest, which provides music, food, and drinks.
10. Anaheim, California
Population: 346,824 Median Sale Price: $869,000 Anaheim, CA homes for sale Anaheim, CA houses for rent
Anaheim is home to Disneyland, offering fun any time of year. The city also also hosts various events and festivals, such as the Anaheim Packing District and the Anaheim GardenWalk which locals love. Enjoy nearby beaches and explore the city’s diverse culinary offerings, there’s a lot to discover in Anaheim.
Nevada is known for its dry climate, untouched natural wonders, and tall, forested mountains. The majority of the state is a plateau, with deep valleys and tall peaks. It has many climate zones, ranging from warm mediterranean in the western part of the state, to vast desert in the south, to high desert in the north.
Weather patterns generally range from dry and hot in metros like Las Vegas,to dry and cooler in areas such as Elko and Genoa. However, throughout the state, weather can often turn into natural disasters, like flooding, wildfires, and heat waves.When these happen, it’s essential to be prepared.
So what are the most common natural disasters in Nevada, how are they changing, and what can you do to prepare? Whether you’re planning a move to Las Vegas or are looking at apartments in Reno, read on for everything you need to know.
1. Nevada drought
Drought is a serious issue in Nevada, which is already the driest state in the US, receiving an average of 9 inches of precipitation per year. The state is one of many in the Colorado River Basin that has been dealing with a long-term “megadrought.” This drought hit a peak in spring 2022, when100% of Nevada’s population was experiencing severe to exceptional drought. This prompted the federal government to enact a tier two water shortage for the state, which is still in place.
The state’s water supply primarily comes from the Colorado River at Lake Mead, which has been shrinking due to chronic overuse and reduced precipitation. To help, Nevada has been working with the other six “basin” states who rely on the Colorado River to reduce water use and prevent an emergency that would require dramatic Federal action. Recently, the Lower Basin States of California, Arizona, and Nevada pledged to save around 1 billion gallons of water by 2026.
Southern Nevada has already adopted extremely strict water conservation measures, reducing water usage by 26 billion gallons compared to 2002, even though its population increased by over 750,000.
Droughts are exacerbated by warmer average temperatures, and can also increase the frequency and severity of other disasters, such as forest fires, dust storms, and heat waves.
How to prepare for drought in Nevada
Because Nevada has been experiencing drought for decades, it’s important to adapt your lifestyle to accommodate lower water use and prepare for future restrictions. For example:
2. Nevada wildfires
Wildfires are a major disaster in Nevada. In fact, from 2000-2018, wildfires burned more than double the number of acres compared to 1980-1999. Recently in 2018, the Martin and Sugarloaf Fires burned nearly 1 million acres. While most wildfires occur in the northern parts of the state, they can happen anywhere.
Most people don’t live within 20 miles of a recent active wildfire, excluding the mountainous cities of Reno and Carson City. However, according to data from First Street Foundation, 60% (733,893) of properties in Nevada are at risk of being affected by a wildfire in the next 30 years. Importantly, only 27% of properties in Las Vegas are at risk of being impacted by a wildfire, with most risk confined to Summerlin South, Enterprise, and nearby areas.
The state’s dry season from May through September (excluding monsoons), combined with parched forests, sets the stage for devastating fires that can spread rapidly. Prolonged drought and heat waves exacerbate the severity of wildfires. The primary causes of wildfires in Nevada are human activity and monsoon lightning. And in southern Nevada, where there are fewer trees, most wildfires are caused by target shooting and fireworks.
Wildfires can also devastate the landscapes and hillsides of northern Nevada, making them more susceptible to flooding, landslides, and mudslides, especially during intense rainfall.
How to prepare for wildfires in Nevada
If you intend to move to Nevada or already live in the Golden State, preparing for wildfires is essential. Here are some tips to help:
Create a defensible space around your property by removing flammable materials and trimming or removing dry vegetation.
Install interior and exterior sprinkler systems, if you have access to enough water and drought restrictions don’t prohibit it.
Install a generator to keep the power running in case of power outages.
Stay updated on fire weather forecasts and follow all fire restrictions.
Prepare for poor air quality by purchasing an air purifier and installing HEPA air filters on air conditioning units.
Build an emergency kit with essentials and valuable documents.
Ensure your insurance adequately covers fire damage, or, if the rising premiums are too high, understand the risks of going uninsured.
Work with your community. This is the most successful way to mitigate fire risk in your neighborhood.
3. Nevada heat waves
Hot, dry weather is common throughout Nevada, especially in the Southern parts of the state, where most of the population lives. Summer temperatures can reach over 100 degrees Fahrenheit throughout the state, especially in July and August. Most recently, during a heatwave in 2023, Las Vegas recorded temperatures above 100 degrees every day in July, with two weeks hitting a daily average temperature of 100.7. The city also hit 110 ten days in a row.
According to First Street Foundation, 66% (1.2 million) of homes in Nevada currently have a Severe Heat Factor, meaning the average daily temperature is at least 95 degrees Fahrenheit for the hottest month of the year. The overwhelming majority of homes at risk are in Clark County, which is home to Las Vegas.
Cities often feel the heat worse than rural areas due to the urban heat island effect. Las Vegas is the worst heat island in the country, experiencing a 5.76 degree difference between urban and rural temperatures. Las Vegas is also the fastest warming city in the US, with average temperatures increasing nearly 6 degrees since 1970.
How to prepare for heat waves in Nevada
Heat waves can be intense and cause health issues, including heat stroke and dehydration. As such, it’s essential to be prepared when they arrive. Here are a few ways to stay cool in extreme heat:
Stay updated on forecasts and advisories.
Prepare a meal plan that doesn’t involve cooking indoors.
Stay hydrated before, during, and after a heat event.
Make sure your air conditioning is functioning properly.
Install a generator in case the power goes out due to strained utility systems.
Limit outdoor activities to the early morning and late evening.
Switch from incandescent to LED light bulbs.
Stock up on lightweight, protective clothing.
Close blinds, shades, and curtains.
4. Nevada flooding
Nevada is known for its dry climate, but it’s actually very prone to flooding. 11% of properties in Nevada have a chance of being severely affected by flooding in the next 30 years, with most located in the mountains and highlands.
Nevada’s flood risk profile is marked by its dry climate, which makes it particularly susceptible to regional and flash floods year-round. Some cities also have a risk of riverine flooding. Recently, in February and March 2023, the winter storms that hit the Sierra Nevadas prompted a disaster declaration in Nevada for flooding, landslides, and mudslides. And, later in the year, an intense late summer monsoon caused flash flooding throughout Clark County.
Nevada is also prone to snowmelt flooding. The Carson Range and nearby peaks in Northwestern Nevada can receive substantial snowfall in the winter, often through winter storms and blizzards. And as temperatures rise in the spring and summer, this snow can melt rapidly, especially during an early heat wave.
How to prepare for flooding in Nevada
In Nevada, preparing for a flood is essential, particularly during sudden intense rain and snowmelt events. Because a large portion of the state is prone to flash flooding, you may not have much time to prepare, so it’s critical to practice and have supplies ready during the spring and summer. Here are a few tips to help:
Familiarize yourself with flood risk maps for your area to see your potential risks.
Consider flood insurance if you’re in a high-risk zone.
Keep emergency supplies on hand, including non-perishable food, water, medications, and important documents.
Elevate valuable items in flood-prone areas of your home, and install sandbags or barriers if necessary.
Invest in flood sensors.
Stay tuned to weather forecasts and alerts, and have a communication plan in place with your family.
5. Nevada earthquakes
Earthquakes are a major risk in Nevada. The state is home to thousands of fault lines, and many regions experience dozens of tiny earthquakes every day. The most notable region is the Walker Lane, which is a trough consisting of thousands of fault lines that pass through most of the Western border of Nevada and into southern California. This is where most geologic activity occurs, although there are notable major faults in the Las Vegas Valley. Reno and Carson City, located along the Walker Lane, are at a particularly high risk, although Las Vegas would suffer far more damage.
There have been 23 earthquakes with a magnitude 6 or greater since the 1840s, with the most recent being the Ridgequest quakes in 2019.
While earthquakes are infrequent, they are by far the most destructive type of disaster in Nevada when they hit. Additionally, Nevada can also be affected by earthquakes with epicenters in California, such as the recent quake in the Sierra Nevadas that was felt in Reno.
How to prepare for earthquakes in Nevada
Earthquakes are irregular but destructive and can cause significant damage to structures, utilities, and water systems. Main shocks can last for minutes, while aftershocks can last for years. They can also strike suddenly, at any time, with only seconds of warning. As such, preparing your home is critical. Here are a few tips to help:
Practice drop, cover, and hold on, so you’re ready when a quake hits.
Purchase earthquake insurance to cover some losses in the event of a quake. This is a separate policy that you purchase in addition to regular homeowners’ insurance. It’s also available to renters.
Make sure you have a durable, charged communication device in case of an emergency.
If you rent, ask your landlord about the building’s seismic history.
Keep your emergency kit stocked, updated, and accessible.
Anchor heavy items to the wall, strap down expensive electronics, and secure small valuables.
Brace your water heater according to state law.
Ensure your gas lines have flexible connections.
If you live in a house built before 1980, it will likely need to be retrofitted. Don’t do this yourself; hire a seismic retrofitting professional.
Final thoughts on natural disasters in Nevada
Nevada’s climate is diverse, dry, and pleasant. Drought, fire, heat, flooding, and earthquakes make it a varied and unpredictable place to live.Many cities in Nevada, especially Las Vegas, continue to be the most popular migration destinations, primarily due to people’s desire for sun. Because of this, the state’s population has increased by over 70,000 since 2020.
If you’re considering moving to Nevada or already call The Silver State home, make sure you’re prepared for natural disasters and long-term weather events. Understanding your risks and adequately preparing are helpful to make the most out of living in Nevada. The National Weather Service and University of Nevada, Reno offer experimental maps that show forecasted and past risks in any given area, which can help you prepare.
Lastly, many natural disasters are worsened by climate change.So no matter how you prepare, reducing your carbon footprint and pushing for systemic change are the best long-term solutions.
This article is for informational purposes only. Individual results may vary. This is not intended as a substitute for the services of a licensed and bonded home services or disaster prevention professional. Always seek expert advice and follow all official guidance before, during, and after a disaster.
California is known for its varied, lush landscapes, rich history, and high quality of life. It has 16 climate zones, ranging from dry desert basins and coastal hills, to snowy peaks and ancient forests. There’s a climate for everyone in California, which has made it a very appealing place to live.
Weather patterns generally range from mild and wet in coastal metros like San Francisco, to more dry and extreme in southern and mountainous cities like Palm Springs and Truckee. However, weather can often turn into natural disasters like flooding, heat waves, and wildfires. When these happen, it’s essential to be prepared. So what are the most common natural disasters in California, how are they changing, and what can you do to prepare? Whether you’re planning a move to San Diego or are looking at apartments in San Jose, read on for everything you need to know.
1. California wildfires
Wildfires are the major disaster in California and have catastrophic impacts. They are by far the most common and destructive type of disaster in the state, and most years, California leads the nation in wildfires and acres burned. Most recently, the August Complex and Dixie Fires burned nearly 2 million acres.These fires cost hundreds of millions of dollars to fight, and created dangerous air quality across the Western US.
California is also unique in how frequently fires affect people’s homes. From 2000-2019, over 70% of people living within the perimeter of wildfires in the US lived in California. Additionally, according to data from First Street Foundation, 71% (8.15 million) of properties in the state are at risk of being affected by wildfires.
The state’s dry season from spring through late autumn, combined with parched forests throughout the state, sets the stage for devastating fires that can spread incredibly quickly. Prolonged drought, heat waves, and windy weather are the primary causes of wildfires, which are becoming increasingly common as climate change progresses. Aging electrical infrastructure also plays a role.
Wildfires can also devastate landscapes and hillsides, making them more susceptible to flooding, landslides, and mudslides.
How to prepare for wildfires in California
If you’re planning on moving to California or already live in the Golden State, preparing for wildfires is essential. Here are key tips to help:
Create a defensible space around your property by removing flammable materials and trimming or removing dry vegetation.
Develop an emergency plan that includes evacuation routes and a communication strategy.
Install interior and exterior sprinkler systems, if you have access to enough water.
Install a generator to keep the power running in case of power outages.
Stay updated on fire weather forecasts and follow all fire restrictions.
Prepare for poor air quality by purchasing an air purifier and installing HEPA air filters on air conditioning units.
Assemble an emergency kit with essentials and valuable documents.
Ensure your insurance adequately covers fire damage, or, if the rising premiums are too high, understand the risks of going uninsured. Unfortunately, due to more frequent disasters, high interest rates, and a desire for less regulation, many insurance companies are no longer offering insurance to homeowners in California.
Collaborate with your community to prevent fires. This is the most successful way to mitigate fire risk in your neighborhood.
2. California drought
Drought has been a severe issue in California for decades. From 2011 to 2022, the issue was extremely acute as reservoirs were drying up, prompting many water conservation regulations. California is one of many Southwestern states dealing with a megadrought that has plagued the region since 1990, primarily due to rising average temperatures and significantly reduced rainfall.
However, because of record snowfall and a wet spring in 2023, most of California is no longer experiencing a drought. That said, this will likely be short-lived due to climate change, chronic groundwater overuse, and a declining Colorado River.
Droughts differ from other natural disasters because they are often long-term events, rather than flooding or snowstorms that will generally pass in a day to a few weeks. However, the effects can be dramatic and significantly alter daily life. For example, some towns in the San Joaquin Valley have no access to fresh water and must rely on private companies and bottled water.
Droughts can also increase the frequency and severity of other disasters, such as forest fires, dust storms, and heat waves.
How to prepare for drought in California
Because drought has already existed in California for decades, it’s important to adapt your lifestyle to accommodate lower water use and prepare for future restrictions. For example:
3. California flooding
California is known for its pleasant weather, but it’s actually very prone to flooding. In fact, from 1950-2017, floods prompted the second most disaster declarations, after wildfires. Floods have also affected people; 23% of properties in California have a chance of being severely damaged by flooding in the next 30 years.
A large portion of California is susceptible to flooding because much of it lies in an old lakebed and subsequent drainage areas. For example, a large portion of the Central Valley lies in an ancient lakebed that helped drain the Sierra Nevadas. Due to urbanization, dams, and agriculture, the lake was slowly drained and parts of it remain as dangerous floodplains during wet years.
In California, flooding is generally caused by dramatic rainfall, dam failures, snowmelt, and high tides. Most recently, from October 2022 to March 2023, California was battered by 31 atmospheric rivers, bringing record rainfall and snowpack to the state. While this dramatically improved the state’s drought outlook, it caused flooding and widespread damage. Flooding continued into the spring as the massive snowpack began to melt.
Climate change is causing precipitation in California to fall more irregularly but intensely, leading to more flooding.
How to prepare for flooding in California
Flood risks are different throughout the state, and preparation varies depending on where you live. For example, San Francisco and Sacramento are more susceptible to riverine flooding and levee failure, while Los Angeles is prone to flash flooding. Regardless, here are a few tips to help you prepare for floods:
Review the flood risk map for your area to see your potential risks.
Consider flood insurance if you’re in a high-risk zone.
Keep emergency supplies on hand, including non-perishable food, water, medications, and important documents.
Elevate valuable items in flood-prone areas of your home, and install sandbags or barriers if necessary.
Stay tuned to weather forecasts and alerts, and have a communication plan with your family.
4. California landslides and mudslides
Landslides pose a significant risk to homeowners in California. They are a particularly bad natural disaster in regions with steep terrain, on the coast, and areas that have been affected by wildfires. Factors such as heavy rainfall, earthquakes, rapid snowmelt, and even construction or excavation can trigger landslides. Mudslides are similar to landslides and can develop in tandem or on their own after heavy rainfall or snowmelt. Importantly, mudslides are generally caused by weather events, as opposed to landslides which can be caused by naturally shifting rock.
Many areas of Southern California are at a higher risk of landslides and mudslides due to more severe fires followed by heavier rains. And as the fire season gets longer and the rainy season gets shorter but more intense, this is expected to worsen. Small landslides will now likely occur throughout the state every year, while major landslides are expected every 10-13 years.
How to prepare for mudslides in California
The most important part of preparing for a landslide is thinking ahead and familiarizing yourself with the landscape. Importantly, don’t build a home or structure near steep slopes, close to mountain edges, or along natural erosion valleys. This helps you minimize your risk without retrofitting or additional procedures. Here are some additional tips to help:
Consult a professional for retrofitting, such as flexible pipe fittings.
Plant ground cover on slopes, and build retaining walls around your property.
Build channels or deflection walls to direct mudflow around your home. However, if you build walls that direct flow into a neighbor’s property, you may be liable for damages.
Consider purchasing additional insurance coverage, as standard homeowners insurance policies generally don’t cover damage from landslides or mudslides. If the landslide was the result of an earthquake or flooding, earthquake insurance or flood insurance may cover it.
Stay alert during periods of heavy rain or seismic activity and follow any warnings from local authorities.
Recognize warning signs, such as new or widening cracks in your home’s structure, bulging ground, or unusual sounds.
5. California snowstorms and blizzards
Winter storms and blizzards are significant concerns in California, especially in the Sierra Nevadas. Recently, in February and March 2023, a string of storms brought many feet of snow to a majority of the state, prompting blizzard warnings throughout the state, including San Diego and Los Angeles counties. However, even though the storms were destructive, they helped increase the state’s snowpack to a record high.
In California, snowstorms often come from atmospheric rivers hitting the tall Sierra Nevada mountains. Sometimes, storms can also affect the San Gabriel and San Bernardino mountains. These can bring many feet of snow over the course of a few hours to days, leading to road closures, power outages, downed trees, stranded travelers, and limited access to emergency services.
Snowstorms can also turn into blizzards, which means that there are high sustained winds and low visibility (below ¼ of a mile for at least three hours).
How to prepare for snowstorms and blizzards in California
Preparing for severe winter weather events is crucial to ensuring your safety and minimizing impact on your home and family. Here are a few tips to help you prepare for winter:
The first thing you should do is winterize your home by inspecting your roof, clearing gutters, cleaning your chimney, insulating your attic, checking your heating system, and insulating your pipes.
Update your emergency kit to include extra warmth.
Keep a supply of firewood or alternative heating sources in case the power goes out.
Equip your vehicle with chains, extra blankets, a shovel, and emergency supplies.
Stay updated on weather forecasts and make sure you have a reliable method of communication.
6. California earthquakes
Earthquakes are a major risk in California. The state is home to over 15,700 fault lines, and many regions experience dozens of tiny earthquakes every day. If you move to the state, you’ll likely live within 30 miles of an active fault zone. Additionally, many Californians are anxiously awaiting the next “Big One,” which is predicted to occur along the southern section of the San Andreas Fault and would likely be devastating.
There have been 16 notable earthquakes since 2010, with the most recent being the Ferndale quake in 2022. The California State Government offers an interactive map that shows all fault lines in the state, along with cities at risk. If you’re planning on moving to California and want to avoid areas at risk of shaking, use this map to help.
How to prepare for earthquakes in California
Earthquakes are irregular but destructive and can cause significant damage to structures, utilities, and water systems. Main shocks can last for minutes, while aftershocks can last for years. They can also strike suddenly, at any time, with only seconds of warning, so preparing your home is critical. Here are a few tips to help:
Purchase earthquake insurance to cover some losses in the event of a quake. This is a separate policy that you purchase in addition to regular homeowners’ insurance. It’s also available to renters.
Download the MyShake App and make sure you have a durable, charged communication device in case of an emergency.
If you rent, ask your landlord about the building’s seismic history.
Practice drop, cover, and hold on, so you are ready when a quake hits.
Keep your emergency kit stocked, updated, and accessible.
Anchor heavy items to the wall, strap down expensive electronics, and secure small valuables.
Brace your water heater according to state law
Ensure your gas lines have flexible connections.
If you live in a house built before 1980, it will likely need to be retrofitted. Don’t do this yourself; hire a seismic retrofitting professional.
If you live near the coast, you should also prepare for a possible tsunami following an earthquake. Understand your evacuation routes and be on the watch for official warnings.
Final thoughts on natural disasters in California
California’s climate is known as the land of extremes. Winter storms, summer heat, earthquakes, landslides, drought, wind, and more make it a varied and unpredictable place to live. While it has historically been one of the top migration destinations, recently, it’s a state many people are moving out of (partly due to the high cost of living in coastal cities). Because of this, the state’s population has declined by over 1.5% since 2020.
If you’re considering moving to California or already call the Golden State home, make sure you’re prepared for natural disasters and long-term weather events. Understanding your risks and adequately preparing are helpful to make the most out of living in California. The National Weather Service also offers an experimental map that shows all forecasted risks for the upcoming seven days.
Lastly, many natural disasters are worsened by climate change.So no matter how you prepare, reducing your carbon footprint and fighting for systemic change are the best long-term solutions.
This article is for informational purposes only. Individual results may vary. This is not intended as a substitute for the services of a licensed and bonded home services or disaster prevention professional. Always seek expert advice and follow all official guidance before, during, and after a disaster.
If you’re contemplating a move to a different state, perhaps because it’s cheaper to own there, you might want to look at this map from Gallup.
They conducted a poll during the second half of 2013, asking a random sample of about 600 adults in each state if they would like to leave their state if they could, or simply stay put.
Sadly, 50% of those in Illinois said they’d get the heck out of there if they could, making it the least desirable state in the union.
The feeling was mutual in Connecticut, where 49% indicated a willingness to move to a different state. Maryland ranked third in terms of getting out at 47%, followed by Nevada (43%) and Rhode Island (42%).
Conversely, the fewest residents would leave even if they could in the grand state of Montana. There, only 23% said they’d take off if given the opportunity.
Other popular states included Hawaii (23%), Maine (23%), Oregon (24%), and New Hampshire (24%). Less than a quarter of residents in those states would choose another state to call home.
Overall, 33% of residents nationwide indicated a willingness to move to another state.
What About the States Where Residents Will Actually Move?
Gallup’s first question was just hypothetical, which allowed respondents to romanticize a potential move. They also asked residents how likely it was that they’d actually move in the next 12 months.
On average, just six percent said it was very likely or extremely likely that they’d they move in the next year. Another eight percent said somewhat likely, 14% said not too likely, and 73% said not likely at all.
In other words, most individuals plan to stay put, whether they like their lousy states or not.
But a whopping 20% of Nevada residents are extremely/very/somewhat likely to move in the next 12 months, which leads the nation in terms of potential mobility.
For 30% of Nevadans, work/business was cited as the top reason to depart, followed by family/friends, then weather.
Illinois was second, with 19% saying they’d potentially move in the next year, with work once again the main reason and weather a close second. In case you didn’t know, it’s really, really cold in Illinois.
Arizona was third at 19% as well, with work the top concern, followed by family/friends, and then weather. In Phoenix, temps rise above 100 degrees for much of the summer. Fortunately, everyone has A/C.
Maryland and Louisiana rounded out the top five, with 17% of respondents in both states indicating a likely move for the same reasons mentioned.
Meanwhile, very few people in Maine have plans to move, with just eight percent saying a move was extremely/very/somewhat likely in the next 12 months.
Iowa (8%) and Vermont (8%) also had the smallest proportion of residents planning a move, followed by Minnesota (9%) and West Virginia (9%).
While the sample size is small, it can provide clues regarding which states may see an influx of residents, and vice versa.
In the more popular states, home prices and rents may increase as time goes on, which could make it more attractive to buy in those areas.
If everyone is leaving, or wants to leave, buying a property, especially to rent out, could be a losing endeavor, especially if home prices have appreciated strongly in recent years.
Of course, many residents want to move because the overall cost of living in their state is too high, so that doesn’t necessarily mean real estate won’t be a good investment there either. It’s just harder to live the dream.
Some particularly strong, heavily populated states based on the map above include Texas, Oregon, Minnesota, Wisconsin, and Colorado.
Inside: Are you moving into your first apartment? Planning a move can be daunting, but with this checklist, everything will be ready for your bed and bathroom you arrive. From a mattress, pots and towels to cleaning supplies and furniture, this list has it all. This is a huge deal!
Moving into your first apartment is an exciting time!
You’re finally out on your own, and you get to decorate and furnish your space however you want.
But before you can start shopping for all the cute home décor, there’s one very important task that needs to be taken care of first: creating a First Apartment Checklist.
This comprehensive checklist will ensure that you don’t forget any essential items when furnishing your new place. From kitchen supplies to bathroom necessities, we’ve got you covered.
So what are you waiting for? Let’s get started!
My First Apartment Mistakes
Moving into your first apartment indeed marks an exciting milestone in life.
However, it is also a moment of awakening when realizing that filling the apartment with all the necessities is not child’s play. My lesson learned the hard way.
It requires great planning and acute mindfulness of one’s budget. While the thrill of setting up your own place can easily lead to overspending, it’s important to keep the budget in check and be judicious about your purchases.
Here are some aspects to consider:
It’s easy to forget that there’s a huge list of big and small things you’ll still need to buy to fully equip your space. However, the keyword here is “need” and not “want”. I should have been better at differentiating between what is absolutely necessary for your immediate living situations and what can be procured later.
Define what you can spend right away by considering the moving costs and other related expenses. After setting the budget, the next most important step is to stick with it. You will be tempted to stretch your limit, but remember that financial restraint is key.
Moreover, remember that you don’t need to get everything right away, certain things can wait. Spend wisely, and stick to immediate needs. You might be surprised to find out that some items you thought were essential, in fact, can be comfortably lived without.
Your home is meant to give comfort, not financial stress.
The above statement is a lesson that stick with you for a long while. Keeping track of your expenses and making wise decisions can help establish your first apartment without breaking the bank.
Learn is $5000 enough to move out?
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Big Items for Your First Apartment Checklist
You’re finally out of your parents’ house and ready to start your own life. Congrats!
This is an important step when you want to move out at 18.
Moving into a new place is both exciting and daunting. To help you make sure you have everything you need for your new digs, we’ve put together a first apartment checklist of all the big items you’ll need to buy.
This is where to focus your money or look to find free items.
1. Mattress
Living in your first apartment?
Do not underestimate the importance of a good mattress.
It’s the foundation for quality sleep, which is crucial for your health and daily performance. Investing in one is non-negotiable even if budget is a constraint.
Personally, this. is the one item I would say to buy new! Thankfully you can find affordable mattresses now.
2. Bed Frame & Headboard
You may be tempted to skip the bed frame in your first apartment, but it’s a key piece that offers myriad benefits.
In full honesty, I didn’t get a headboard for my mattress until well after I was married. But, it was one small thing that made me happy.
Popular bed frame options vary in price from $60 for a simple metal frame to over $200 for wooden or upholstered models. Make sure to evaluate your needs and budget before buying.
3. Couch
Your first apartment is exciting, and the right couch can really set the tone. It’s not only a seating arrangement but also a place for relaxing, entertaining, and unleashing your personality.
When setting up your first apartment, you might be conflicted about whether to buy a new couch or look for a used one. Here are some factors to consider:
For those living by themselves:
A new couch can be a significant investment, but it is worth the cost if you value personal comfort, hygiene, and aesthetics.
Utilize discount stores to find quality furniture that is within your budget. A new couch often comes with warranties or protection plans that can give you peace of mind for any potential repairs or damages.
Investigate measurements and delivery options thoroughly to ensure your new couch comfortably fits your apartment layout.
If you are planning to live with a roommate:
You can consider getting a used couch. This is a great way to cut costs during a time when budgeting and saving money are important.
To make sure the couch you’re acquiring is clean and pest-free, buy or get it for free from trusted sources. Friends or family are often the best people to approach when looking for used furniture.
Look into garage sales or online platforms like Craigslist for options. However, always inspect the couch thoroughly before purchasing it from these sources.
Whether you choose new or used, ensure that the couch fulfills your needs.
4. End Tables and Lamps
End tables and lamps are essentials you need in your first apartment. They offer functionality along with a touch of class to your space.
There are many reasons why they should be on every first apartment checklist.
Versatility: Side tables can be used in various ways, from serving as a coffee holder, providing a place for books and magazines, or showcasing photo frames and indoor plants. It can also function as an extension of your workspace when you need to create an impromptu office setup.
Convenience: Having a side table next to your bed or sofa allows you to have important items within easy reach. This may include your phone charger, eyeglasses, or remote controls.
Decorative Value: Side tables contribute to the aesthetic appeal of your living space. They come in different styles, shapes, and designs that can complement various types of interior décor themes.
More than likely with lamps, you will notice where you need them the most after you move. So, it is okay to wait and buy them.
5. Dining Room Table
Your first apartment isn’t complete without a dining room table. It’s the multi-tasking hero of your living space, essential for meals, socializing, and possibly working or studying.
Finding the right dining room table for your apartment can be a fun and rewarding experience. However, it may be daunting for some, given the myriad of options available in the market.
Here’s a step-by-step guide to help you find your ideal fit:
Determine the Size Needed: The first step in finding the right dining room table is to measure the space it will occupy. Knowing the size helps narrow down the options and ensures a comfortable fit. Consider the number of people you plan on hosting on a regular basis – that should dictate the size of the table you need.
Consider the Shape: Dining tables come in various shapes, including square, rectangle, round, and oval. Identifying the shape that suits your space and lifestyle is crucial. Rectangular tables are the most common, but circular ones are great for maintaining an intimate dining experience, while an oval one can be a middle ground between a square and a round table.
Decide on Style: Whether you lean more towards a modern, contemporary, or rustic look, there are countless styles of dining tables to choose from. Ensure that the style of the table resonates with the rest of your home decor for a harmonious look.
Remember, choosing the right dining table is a balance of both form and function. Considering these aspects will surely help you find the dining room table that fits your lifestyle and space.
A good friend of mine had great luck finding a dining room table at a Restore resale shop. Something to definitely check out!
6. Kitchenware
Moving into your first apartment often comes with the challenge of equipping your kitchen efficiently.
To help guide you in making thoughtful purchases without breaking the bank, here are some important kitchen items you should consider investing in.
Basic Cooking Equipment: A Starter kitchen at the bare minimum requires at least two pots and a frying pan. These should be supplemented with necessary cooking utensils like a ladle, spatula, whisk, etc. You also need a high-quality knife set, at least one cutting board, and measuring cups and spoons to help you prepare and portion your meals accurately.
Food Storage & Serving Items: Get microwave-safe food storage containers to store leftovers efficiently. Additionally, invest in a good set of plates, bowls, glasses, and coffee mugs.
Countertop Appliances: While these can be a bit costly, consider getting a microwave, an InstantPot, and a coffee maker. These can vastly simplify and speed up your daily meal prep.
These are the basic items for a minimalistic kitchen.
7. Patio Furniture
Patio furniture can be an excellent cost-effective addition to your first apartment. Often overlooked, patio furniture can provide advantages for a first-time tenant:
Getting patio furniture as hand-me-downs or buying used ones can save you lots of expenses.
Plus patio furniture can be easily refurbished or painted to match your apartment’s interior design. You can showcase your creativity and add a personal touch without spending much.
8. Grill
One must-have in your first apartment is undoubtedly a grill. Nothing beats the flavor of a good grill and it’s perfect for friendly gatherings or quiet evenings.
Having a grill can add a sense of fun and adventure to your living situation. It allows for new culinary experiences and outdoor entertaining, especially during warmer months when you can have a delightful barbecue party in your yard or balcony.
Grilling can also act as a social catalyst. Whether it’s a relaxed summer evening cookout with neighbors or a gathering of friends for a sporting event, grilling can bring people together in a fun and casual way.
Thanks to websites like Craigslist, eBay, and Facebook Marketplace, second-hand grills in good condition are often available locally and at a much lower cost than brand-new grills.
9. Storage Items
Stepping into your first apartment, huh? The organization will be your closest ally.
Crisp and neat storage items can help you stay clutter-free and make your space feel like home.
This is something I would wait to buy until you are in your space and know what you need. There are so many storage ideas and organization items.
10. Decor
Making your first apartment feel like home is both exciting and challenging. Decor plays a crucial role, transforming an empty space into a cozy, personal refuge.
You want the decor to reflect your style, but the cost may be more than you can afford.
Enter thrift shopping for some of your favorite items.
You can always splurge on that one item you want!
How do I prepare for my first apartment?
Getting your first apartment can be incredibly thrilling, but let us guide you through a smooth transition.
Before making any purchases, it’s critical to create a budget that takes into account moving costs and other associated expenses.
Additionally, make a checklist of essential items to ensure a smooth move, but remember to prioritize immediate needs as some items may not be necessary initially.
Being prepared and methodical about your approach can help significantly in making your first apartment feel like home. It’s all about spending wisely and sticking to your plan.
First Apartment Checklist for Bedroom
Ready to move into your first apartment and need help setting up your bedroom?
This checklist will ensure you won’t miss any essentials.
Bed: Choose a full or queen-size bed to maximize space.
Mattress: Select the right firmness for your sleep style. Don’t forget a mattress pad and bedding.
Nightstand: You need this to place essentials like a reading lamp and a glass of water.
Dresser: An essential piece of furniture for your clothing storage.
Lamp: A softer lighting option for your bedroom. Don’t forget light bulbs!
Closet Organizers: Invest in baskets or cloth storage cubes for easy organization.
Desk and Chair: A small workspace if your room allows. Opt for a stool or folding chair to save money.
Remember every space is unique, tailor this list to your needs and budget.
First Apartment Checklist for Kitchen
As you embark on your solo living adventure, setting up your kitchen shouldn’t be a brain tease.
Here’s a lifesaver list of must-haves:
Remember, your kitchen is not just for cooking, but for hosting toasts and storing eats. Cheers to your new apartment kitchen!
First Apartment Checklist for Living Room
When setting up your first apartment living room, remember to shop for these essential items:
A Cool Lamp or Two: Lighting is crucial. Pick unique lamps that add both light and character to your space.
Side Tables: Grab a couple; these provide additional surfaces for decorations or mugs of tea.
Storage Solutions: Think TV cabinets or bookshelves where you can neatly store your belongings.
Extra Seating: More seats for more guests.
Window Treatments: Curtains or blinds not only offer privacy but can also tie a room together.
Decorative Pillows and Throw Blankets: For aesthetics and comfort.
Decor Items: This includes wall art, picture frames, coffee table books, houseplants, candles and vases. Make your space you.
Be smart in your selections, ensuring each item marries functionality with aesthetics. Holistic harmony is key in a living space.
Technology for Your First Apartment
In today’s digital era, modern apartments are nearly incomplete without a range of essential tech items.
These add convenience, entertainment, and a sense of security to your cozy abode.
Smart TV: This is essential for entertainment and relaxation. It can be a source of news, sports, movies, and shows that make your apartment a much more enjoyable living space.
Roku Stick: If you opt for a basic TV, then these devices enable you to stream content like Netflix, YouTube, and Hulu directly to your TV. This is much needed if you prefer digital streaming over traditional network channels.
Computer / Laptop: This is useful for work, learning, entertainment, and communications in the current digital era. It helps you stay connected to the world and perform various tasks easily.
Wifi Router: A Wi-Fi router is a must-have in this age as it provides an internet connection for all your devices. It enables you to stay connected to the world, shop from home, stream entertainment, or work remotely.
Chargers: Chargers for phones, laptops, and other electronics are essential. They keep your devices powered up and ready for use at any moment.
Speakers: They enhance your entertainment experience by providing high-quality sound for music, TV shows, and movies. They can also be useful for work or study, for instance when participating in video conferences or online courses.
Thankfully prices have dropped significantly on TVs since I bought my first one!
First Apartment Checklist for Bathroom
One key area to consider is your bathroom – it’s essential to have all the basis to make your daily routines smooth and simple. Here’s what you’ll need:
Cleaning Your First Apartment
Ready to take that first crucial clean sweep in your very first apartment? Here’s how you’ll nail it!
Start with unpacking your cleaning essentials, preferably even before you start arranging your furniture. This will make it easier to spot dust, stains, and dirty spots that are usually hidden.
Now, let’s dig into your basic apartment clean-up kit:
Honestly, these frugal green items are perfect to keep things clean and on budget.
Things you need for an apartment that you wouldn’t think of
Moving into your first apartment is an exciting milestone, but it’s also full of small details that are easy to overlook.
Some essential items might not make it on your moving checklist, leaving you scrambling on your first day in your new place.
Basic Handyman Tools: A Leatherman or small toolkit is essential for assembling furniture and making minor repairs.
Hangers: You’ll need more of these than you think for your wardrobe.
Extension cords and surge strips: You’ll need these to plug in all your electronics in spaces with limited outlets.
Drawer organizers: Helps keep your belongings categorized and easy to find. Especially important in small spaces where efficient storage is key.
Flashlight: You never know when a power outage may happen. A flashlight is a crucial tool for safety and navigation in the dark.
Batteries: Handy for various gadgets like remote controls, flashlights, and smoke detectors.
First aid kit: Accidents can happen anywhere, and having a first aid kit handy can make dealing with minor injuries easier and more efficient.
Light bulbs: Essential for maintaining good lighting in your apartment. You don’t want to be left in the dark when a bulb burns out.
Matches and/or lighters: Useful not only for candles and gas stoves but also a necessity in case of a power outage.
Pen and paper: Although we live in a digital age, pen, and paper are still handy for jotting down quick notes, lists, or reminders.
Fire Extinguisher: Better to be safe than sorry!
Carbon Monoxide Detector: Extremely important to have in your apartment
Duct Tape: It solves every DIY project – while almost any.
Security Cameras: It bums me out completely to add this to the list, but in today’s society it is a must-have.
Renter’s insurance is instrumental for various reasons
It provides financial protection in case of unforeseen circumstances like theft, damage due to disasters like fires, or liability if someone gets hurt in your apartment.
Additionally, considering the value of electronics, furniture, clothing, and other personal belongings, investing in renter’s insurance helps safeguard one’s possessions, making it invaluable, especially for first-time renters.
How do I budget for my first apartment?
Managing your expenses while moving into your first apartment is crucial since it’s usually an expensive endeavor with many large and small essentials needed to fully complete your home.
Having a budget not only helps you to control your finances effectively but also assists in prioritizing immediate needs, avoiding unnecessary items, and managing moving costs and related expenses.
Step 1: Make a Budget
Budgeting is, unquestionably, a crucial strategy to manage your personal finances efficiently, particularly while setting up a new apartment.
Begin by detailing your annual net income.
Subsequently, list down all your essential expenditures, such as food, household supplies, phone bills, car payments, credit card bills, clothing, transportation costs, internet charges, healthcare expenses, school loans, and entertainment.
Don’t forget to add a section for “miscellaneous” to cover any unanticipated expenses.
Make sure your expenses are less than your income.
While rent will be your biggest expense, you want to make sure you can truly afford the amount without going broke.
If you observe that your expenses are relatively high, it’s time to analyze your spending patterns and cut down on unnecessary spending.
Step 2: Save Money
Saving money and living frugally requires strategic thinking and discipline.
Honestly, the simplest thing you can do is to set aside 20% of your income each paycheck. That will ensure you are on your way to becoming financially independent.
Simply remember, frugal living doesn’t equate to deprivation, it’s about making informed choices to optimize your resources.
The 100 envelope challenge is extremely popular!
Step 3: Start a Side Hustle
Side hustles can be a flexible and rewarding way to supplement your income, and they’ve become much more popular in recent years.
Manage your time wisely and ensure the side hustle is something you enjoy or are passionate about. It should be a source of additional income without causing stress or burnout.
Here are ways to make money online for beginners.
First Apartment Tips
Embarking on the journey of renting your first apartment can be both exciting and daunting, hence having some essential tips can be quite handy.
1. Make a list of apartment essentials
A list of apartment essentials plays a crucial role, particularly for first-time movers.
The benefits and significance cannot be overstated. Here’s why:
Prevents Overspending: Moving into a new apartment is already expensive. There are lease deposits, rent due, utility set-ups, and other hidden expenditures that can easily catch first-time movers off guard. Having a list of apartment essentials can keep your spending in check, ensuring that you only purchase what’s necessary and avoid unnecessary or impulsive purchases.
Minimizes Stress: The task of moving can be overwhelming, and missing essential items only adds to the stress. A well-thought-out list can not only help you keep track of what you’ve already acquired but also what you need to purchase or source.
Ensures You’re Prepared and Organized: By carefully creating an apartment checklist, you’re ensuring that you have everything you need in your new home, from cleaning supplies and toilet paper to the necessary items for your furry friends.
Saves Time: A concise and focused list saves you time by clearly stating what needs to be acquired, allowing you to focus on other important matters related to the move.
Follow this approach, and you’ll have a comfy, well-equipped apartment in no time.
2. Consider your budget
Experts advise rent shouldn’t exceed 25-30% of your income. But, don’t forget to include your other costs like food, bills, loans, etc
Remember, your dream apartment isn’t worth it if it’s a financial nightmare. Think smart, save hard, and enjoy your new home’s comforts without breaking the bank.
Learn the ideal household percentages.
3. Research apartments
Researching apartments requires careful consideration of numerous factors such as the proximity to vital facilities like workplaces, grocery stores, hospitals, and entertainment joints.
Try to physically tour potential residences where possible to examine amenities and gauge the atmosphere of the neighborhood.
Don’t forget to make inquiries and view the apartment personally or through a floor plan, all these will help you make a wise decision.
4. Check apartment listings for features and amenities
When searching for the perfect apartment, consider features and amenities that align with your lifestyle.
If there is a sym space, you could eliminate your monthly gym membership.
Just make sure the cost of the upgraded amenities is worth the price tag.
While checking apartment listings, ensure to evaluate the location, amenities, available space, and physical integrity.
5. Think about the size and layout of the apartment
Understanding the size and layout of your new apartment is crucial before you start styling and furnishing it.
Acquire a floor plan from the apartment management, and if possible, tour the apartment physically to note the positioning of rooms, doorways, hallways, and stairwells. Take measurements of these areas and visualize the kind of furniture and fixtures they can accommodate fittingly, taking into account maneuverability around corners as well.
Moving to your first apartment is exciting, yet demands careful consideration of the size and layout.
6. Look for apartments with good security
When you’re hunting for your next apartment, don’t forget to check out its security features. This is crucial for your peace of mind.
Ensure the apartment is in a safe neighborhood, close to amenities like hospitals or public transport.
Ask if the apartment complex has features like controlled access gates, security guards, and CCTV surveillance.
Check the apartment for proper alarm systems, well-functioning locks on doors and windows, and that fire safety measures are in place.
Verify the cell phone reception inside the apartment for any emergency calls.
Lastly, always ensure that the parking area is secure and well-lit.
Remember, your apartment isn’t just a place, it’s your sanctuary. It should feel like one, too.
7. Make sure you get a good deal
Before signing a lease, it’s crucial to ensure the rent price is a good deal.
According to the U.S. Census Bureau, the median gross rent from 2015-2019 was approximately $1,097 per month.
8. Talk to the management and make sure you understand the rules
Get to grips with your apartment’s rules by thoroughly reading your lease. Take note of any restrictions, and don’t fear to ask for clarifications. Data indicates that understanding lease terms significantly reduces tenant-landlord conflicts.
It is important you understand your lease as it is a binding contract.
First Apartment Checklist PDF
Moving into your first apartment is exciting but daunting. The First Apartment Checklist PDF helps simplify the process.
Take it at your own pace—don’t rush. This is your journey to your new home. Enjoy!
FAQ
Moving into a new apartment can be quite exciting yet daunting. It’s crucial to carefully inspect the space to ensure it meets your needs and is in optimal condition.
Check the overall cleanliness. Despite initial cleaning, apartments often accumulate dust while vacant. Ensure you have cleaning supplies handy to tackle any overlooked dirt or grime.
Inspect the utilities. Ensure the availability of necessary technology setups and provisions for all your electronic gadgets. And make sure no wires are hanging from the ceiling.
Verify the safety features. Always have a working lock on the door as well as a well lit entrance.
Examine appliances. Make sure essential household appliances like washers, dryers, and a dishwasher are provided and in working condition.
The comfort and safety of your new apartment rely hugely on these checks.
When determining how much you should spend on rent, it’s generally suggested that your allotment should be no more than 25-30% of your after-tax income.
For instance, if your yearly income after taxes is $40,000 per year, your rent should be about $833-$1,000 per month.
Keep in mind, this amount should cover:
Your rent
Utilities (unless they’re included in your rent)
Rental insurance
It’s essential to create a realistic budget by considering your other necessary expenses like food, transport, healthcare, and entertainment. If needed, find ways to cut some of these costs to afford your dream apartment.
Now Get Moving with your Apartment Shopping List!
In conclusion, creating and managing a first apartment checklist requires a judicious mix of prudence and patience.
It’s an exciting journey of setting up your first independent space but it’s also a test of properly managing your resources without compromising on your basic needs.
It’s crucial to remember that you do not need to get everything at once, and it’s okay to take your time to gradually fill your apartment.
Remember, be mindful of your budget and prioritize based on your specific needs and preferences.
And don’t forget, you’re not just setting up an apartment, you’re creating your own unique sanctuary.
With patience and careful planning, you’ll soon have an apartment that’s not only functionally equipped but also a reflection of your personal style. The experience, in the end, will prove to be as rewarding as it is educational.
Know someone else that needs this, too? Then, please share!!
The tiny Mid-Atlantic state of Delaware is known for its scenic beaches — like Rehoboth Beach — diverse cities and rich history. It was the first state to ratify the U.S. Constitution, earning its nickname as the First State. Thanks to its low taxes and corporate-friendly laws, it’s considered a haven for corporations, supporting a booming business and jobs market. Tech, pharmaceuticals and chemicals are also major industries. Work aside, Delaware’s beautiful coastline and lively cities make it a great place to live for everyone from families to retirees to young professionals.
As a popular Mid-Atlantic state to live in, the cost of living in Delaware does generally trend above the national average. But prices for things like housing aren’t unreasonably high, making it an affordable state for a wide range of budgets. Prices do vary in different cities, though, so some places are a better fit for your budget than others. This guide to Delaware’s cost of living takes an in-depth look at the cost of different items around the state so you can make educated, informed choices about the best place to live in Delaware for you.
Delaware housing prices
Housing costs in Delaware vary by area but are generally close to the national average. Some cities are slightly above the national average, while others are slightly below. But overall, housing costs are in the vicinity of national prices. However, that can add up to a difference of a couple of hundred dollars from one city to another. Another thing to keep in mind is that, for renting and homeowning alike, prices have gone up over the past year. This trend of growth is something to keep an eye on if you’re planning a move here.
To see how housing costs vary around the state, let’s look at average rents and the cost of buying a home in some of Delaware’s biggest cities.
Dover
Located in central Delaware close to Delaware Bay, the state capital of Dover is a small city that’s known for its historic architecture and landmarks, higher education and vibrant cultural offerings. It’s Delaware’s second-largest city next to Wilmington. Home to several universities including Delaware State University, the affordable cost of living and fun activities appeal to both students and families.
Dover’s housing costs are 3.2 percent below the national average. This makes it one of the most affordable cities to live in Delaware. Renting a one-bedroom apartment costs around $1,367 per month. The average rent for two-bedroom units is $1,602. However, these rates are up significantly from last year. One-bedroom prices are up 38 percent and the cost of a two-bedroom has climbed 23 percent.
As a college town, Dover is very much a renting city. But Dover’s housing market is also up 14.2 percent from last year. If you want to buy a home in Dover, the median sale price is $285,000.
Wilmington
Wilmington is Delaware’s most populous city, located in the northern part of the state close to the Pennsylvania state line. It’s also less than an hour’s drive away from Philadelphia. So, if you want to live close to the hustle and bustle of Philly without its expensive cost of living, Wilmington could be the answer.
Wilmington is Delaware’s hub for business and industries like banking. Home to many Fortune 500 companies, it’s earned the nickname of the Corporate Capital of America. With an up-and-coming food scene, it’s quickly earning a reputation as a foodie destination. Museums, performing arts venues and a picturesque riverfront park along the Delaware River are other benefits to calling Wilmington home.
Wilmington is one of the more expensive Delaware cities to live in, with housing costs 10.9 percent above the national average. The cost of rent is also higher than in other cities. The average rent is $1,537 for a one-bedroom apartment and $1,821 for a two-bedroom apartment. These rates are up 22 and 20 percent, respectively, from the previous year.
The median sale price for buying a house in Wilmington has gone down 0.35 percent over the past year to $284,000.
Delaware food prices
Thanks to Delaware Bay running nearly the entire length of the state, Delaware is a fantastic place for fresh seafood. Blue crabs, in particular, are an iconic Delaware dish. Living here, you’ll also get to enjoy the state’s signature sandwich, the Bobbie. Served from Capriotti’s in Wilmington, the Bobbie combines turkey, stuffing and cranberry sauce. It’s Thanksgiving in sandwich form. Chicken is also a beloved local staple, as well as peaches.
Similar to housing, food costs here are slightly more expensive. Average food costs in Delaware are 9.5 percent above the national average. Delawareans spend between $266 and $300 each month on food per person. Annually, that’s between $3,201 and $3,600.
Here’s how food costs vary in different Delaware cities:
Dover is 7.9 percent above the national average
Wilmington is 6.6 percent above the national average
Although Dover’s food prices are higher above the national average, Wilmington residents may find themselves paying more for individual items. A half-gallon of milk costs $2.79 in Wilmington compared to $2.24 in Dover. Buying a dozen eggs in Wilmington will set you back $1.99. But in Dover, it’s only $1.80.
Although Wilmington has more of a reputation as a foodie city, it’s more expensive to dine out in Dover. Going out for date night in Dover for a three-course meal for two at a nice restaurant costs $68. In Wilmington, it’s slightly cheaper at $65.
Delaware utility prices
Paying for utilities includes paying for essential services like electricity, water and internet. Here’s how average utility costs in these Delaware cities compare to the national average:
Dover is 2.2 percent above the national average
Wilmington is 11 percent below the national average
Dover is the most expensive city for utility costs, with total monthly energy spending coming out to $187.26. Wilmington’s utilities fall far below the national average in comparison. Here, total energy bills for the month are around $146.22. The average water bill is $45 and the average internet bill is $59.99. Internet costs more in both Dover and Wilmington, though. In Dover, you’ll pay around $68.66 for 60 megabits-per-second and $65.57 in Wilmington for the same speed.
Delaware gets the majority of its electricity from natural gas, as well as some renewables like biomass. The state’s water comes from surface water sources like reservoirs, rivers and creeks.
Delaware transportation prices
In general, using public transportation is a great way to save money on gas and other vehicle expenses, always good for the bottom line of the cost of living in Delaware. If you live in a big city, it also cuts down on traffic and commuting time. But transportation costs in Delaware are higher than the national average. So, determining whether using public transit saves you time and money depends on your lifestyle, transit needs and where you live in Delaware. Here’s what transportation costs look like compared to the national average in these Delaware cities:
Dover is 2.3 percent above the national average
Wilmington is 12.5 percent above the national average
Delaware is a small enough state that a single public transportation agency can provide service around the entire state. Although the majority of its routes are in major cities like Wilmington and Newark, DART First State provides public transportation throughout Delaware. Consisting of a fleet of buses, it operates 64 bus routes around the state.
While more rural counties have fewer routes, most of the state has access to public transit in some form. Not only is this a great way to save money on gas, but DART also provides seasonal routes to popular vacation beach towns. Let’s take a closer look at transportation costs and access in Dover and Wilmington.
DART in Dover
DART operates 10 different bus routes around the city of Dover and Kent County. Fares are the same statewide and priced by zone. County lines mark zone boundaries. Single-ride adult tickets start at $2 for one zone, $4 for two zones and $6 for three zones. A daily pass ranges from $4 to $10 depending on how many zones. A 30-day pass costs $60 for one zone and $120 for two zones.
If you travel outside the city using Route 1, you’ll encounter a toll route on the northern outskirts of the city. Tolls range from $2 to $6 for passenger vehicles depending on the day of the week. Weekend tolls are more expensive.
Usually, smaller college towns are easy to navigate with public transit or without a car. But Dover has a low transit score of 30. Its walk and bike scores are also low at 36 and 46. If you plan on living in Dover, it’s a good idea to bring a car to get around with ease.
DART in Wilmington
With 36 routes, Wilmington has the most extensive DART system. Prices are the same as in Dover.
Due to its proximity to Philadelphia, Wilmington does have access to the SEPTA public transportation system. The Wilmington/Newark commuter rail line runs from central Philly out to Wilmington and Newark throughout the week. Weekday service is more frequent, with 41 trains. There are only eight trains on Saturday and seven on Sunday. Pricing on this Regional Rail line depends on destination, length of ride, time of day and day of the week. One-way fares start at $4 for one zone and go up to $8.25.
Offering more routes, Wilmington has a higher transit score of 54. The compact city center and walkable neighborhoods make Wilmington an easier town to navigate on foot or by bike, as well. Wilmington has a respectable walk score of 62 and a good bike score of 46. Between DART and having a bike, it’s necessary to have a car in Wilmington.
Delaware healthcare prices
What you’ll pay for healthcare varies widely around the state. Some cities like Dover have lower average healthcare costs that are beneath the national average. In other cities, healthcare costs exceed the national average. However, it’s important to note that it’s very difficult to determine accurate healthcare averages. Based on factors like pre-existing conditions or insurance premiums, healthcare costs vary on a person-by-person basis. So, just because the average cost for a doctor’s visit in Dover is $90, that doesn’t mean it will be the same for everyone.
With that in mind, Dover is the least expensive city for general healthcare costs. Here’s what it costs to go for a check-up at the doctor in these two cities:
Dover: $90
Wilmington: $125.50
These rates reflect how Dover and Wilmington compare to the national average in terms of healthcare costs:
Dover is 6.7 percent below the national average
Wilmington is 14.4 percent above the national average
It’s also more expensive to go to the dentist in Wilmington, costing $150. In Dover, that annual cleaning and exam will set you back $103.67. However, Wilmington is a great small city for healthy lifestyles. So, while it’s more expensive, there’s improved overall health.
In general, though, Delaware ranks well for the quality of its healthcare. Locals enjoy both good access to healthcare resources, as well as good quality care.
Delaware goods and services prices
Along with housing and groceries, it’s also important to consider other regular purchases as part of a monthly budget. These include things like getting a haircut or buying over-the-counter medicine.
Overall, the cost of miscellaneous goods and services around Delaware is higher than the national average:
Dover is 7.6 percent above the national average
Wilmington is 10.9 percent above the national average
You’ll be paying more for most goods and services in Wilmington. Getting your haircut in Wilmington costs $26.33 compared to $19.50 in Dover. But if you want to go out to see a movie, tickets cost more in Dover at $12.49 a pop. In Wilmington, you’ll be paying around $11.78.
Delaware is a great place to raise a family. Its cities are safe with an abundance of fun things to do. It’s also easy to get out into nature in nearby forests and along Delaware Bay. If you’re considering raising a family in Delaware, childcare costs are another thing to consider.
With its bustling corporate culture, childcare is in high demand in Wilmington. That means it’s much more expensive than elsewhere in the state. You can expect to pay around $1,120 for a full month of private preschool or kindergarten in Wilmington. But in Dover, you’ll only be paying around $980 for the same type of childcare per month.
Taxes in Delaware
Another plus side of living in Delaware is that it’s one of the few states with no sales tax. That means that no matter where you live in the state, you’ll pay $0 in sales tax. Spending $1,000 on delicious Bobbie sandwiches for a family beach outing? You’ll be paying nothing extra in tax.
Delaware does impose a gross receipts tax on businesses, though. If you’re planning on opening or operating a business in Delaware, that’s something to know.
As we saw above with Wilmington being a hub for corporations, Delaware is generally a good place to live tax-wise. Income taxes here range from 2.2 percent to 6.6 percent, depending on income.
How much do I need to earn to live in Delaware?
Although the cost of living in Delaware is generally above the national average, it’s not unreasonably high. But how much does a resident need to earn to comfortably live here? To determine this, experts use the 30 percent rule. While not a strict rule, it’s recommended that you only spend 30 percent of your gross monthly income on housing. The reasoning is that while housing takes a decent chunk of your monthly budget, you need enough left over for other necessities and lifestyle purchases.
The average monthly rent in Delaware is $1,607. To only spend 30 percent of your gross monthly income on rent, you’d need to make around $5,356 per month. That comes out to $64,272 annually. Since Delaware’s median household income is $69,110, most residents can comfortably afford housing.
Since average rents do vary by city, you can use this rent calculator to determine what part of Delaware you can afford to live in.
Living in Delaware
From no sales tax to the reasonable cost of living, there are many benefits to living in Delaware. While the overall cost of living is above the national average, it isn’t unreasonably high. So, if you want to live in an East Coast state with access to beaches, big cities and charming small towns, Delaware could be the answer.
The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of July 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.
Floods. Wildfires. Deadly heat. Rising seas. In the face of scary climate news, it’s easy to feel overwhelmed. After all, extreme weather threatens one of your biggest assets — your home. But there are steps you can take to protect your house, your family and your finances from climate change.
1. Evaluate your risk
The best place to start is by getting a realistic picture of how likely your home is to experience a natural disaster.
For a broad overview, check the National Risk Index from the Federal Emergency Management Agency. The site shows the likelihood of events such as hurricanes, wildfires, tornadoes and coastal flooding at a county or census tract level.
To gauge your home’s individual risk, try riskfactor.com, a tool from the nonprofit First Street Foundation. Plug in your address to see your home’s chances of flooding, wildfires, strong wind or extreme heat over the next 30 years, along with recommended solutions.
Local government agencies can also help you evaluate your property’s hazards. For example, the nearest fire department or forestry agency may be able to assess your property’s wildfire risk, says Kimiko Barrett, a wildfire research and policy analyst at Headwaters Economics, a nonprofit research group.
Local governments may have elevation certificates and other information about a property’s chance of flooding, says Susanna Pho, co-founder of Forerunner, a provider of flood resilience software.
Did you know…
An elevation certificate is a document that lists a building’s lowest elevation point and flood zone as determined by the Federal Emergency Management Agency.
Planning a move? Look beyond curb appeal when evaluating potential homes, says Aris Papadopoulos, a resilience expert at Florida International University’s Extreme Events Institute. In the face of climate change, homeowners “need to prioritize the resilience of the house a lot more than they ever did before,” he says.
For example, you may want to ask how old the roof is and whether the home has ever been damaged by a disaster. (In some states, sellers must disclose their home’s flood history.)
Consider the elevation of the home, too. If it’s less than 15 feet above a coastline, river bank or even a dry creek bed, it could be at risk of flooding, Papadopoulos says.
You can check the websites listed above to evaluate a potential home’s risk before you put in an offer. You may also want to consult the Buyer’s Guide to Resilient Homes from the Federal Alliance for Safe Homes.
2. Buy the right insurance coverage
Once you know which disasters pose the biggest risk to your home, check your insurance policy to make sure you have the coverage you need.
What’s covered (and what’s not)
Most homeowners insurance covers fire and wind damage but won’t pay for claims related to external flooding sources like heavy rain or overflowing rivers. If your home is at risk, you’ll need to buy flood insurance separately.
🤓Nerdy Tip
Although scientists aren’t sure whether climate change influences earthquakes, it’s worth noting that homeowners insurance won’t cover earthquake damage either. If you live near an active fault, you may want to consider earthquake insurance.
Keep in mind that a separate deductible may apply for certain types of disaster claims. (A homeowners insurance deductible is the amount of a claim you’re responsible for.)
For instance, you may have a $1,000 deductible for most claims and a 2% deductible for hurricane claims. The percentage is based on your dwelling coverage limit. So if your house has $300,000 worth of dwelling coverage, your deductible for a hurricane claim would be $6,000.
Choose the right coverage limits
Imagine your home burns down in a wildfire, and it costs $400,000 to rebuild. If your policy has only $350,000 of dwelling coverage, you’ll have to pay the extra $50,000 yourself. That’s why it’s so important to choose coverage limits that are adequate for your home.
Did you know…
Dwelling coverage is the part of a homeowners policy that pays to rebuild or repair the structure of your home.
Your dwelling coverage limit should reflect the reconstruction price of your home — not the price you paid for it or what you could sell it for today.
Although insurance companies have calculators that can help you choose the right amount, you may also want to speak with a licensed contractor in your area, says Dori Einhorn, the owner of Einhorn Insurance Agency in San Diego.
She recommends asking, “If I have to rebuild my house from soup to nuts, what am I looking at? How much is that going to be?”
You can then compare that estimate with the dwelling coverage limit your insurance agent suggests. “If your agent comes back with a figure that’s drastically different,” Einhorn says, “that’s a good indication that they don’t know what’s up.”
You’ll also want to check the limit on your personal property coverage, which pays for damage to furniture, electronics and other belongings. The best way to gauge how much your stuff is worth is to take a home inventory.
If it’s been a while since you reviewed your coverage limits, take another look to make sure they’ve kept up with inflation. And don’t forget to tell your insurance company about any major renovations you’ve done recently. Things like upgrading your kitchen or building an addition can increase the amount of coverage you need.
Finding coverage in tough markets
In certain high-risk areas such as Florida, Louisiana and California, it’s getting harder to buy affordable insurance. Some homeowners have received non-renewal notices from their insurers and had trouble finding another company to cover them.
If you find yourself in this situation, a good independent insurance agent is often your best resource. They can shop around on your behalf and look for lesser-known companies that may be willing to insure your house. Many states have created “insurers of last resort” to provide policies for people who can’t get them anywhere else. An independent agent can help you find your state’s last-resort insurer, if it has one.
3. Make your home more resilient
While having insurance can be a vital part of disaster recovery, you can take certain steps to prevent damage in the first place. Some of these changes may earn you a discount on your homeowners policy.
Your plan of action depends on your budget and which disasters are most likely in your area. Below are recommendations to help strengthen your house against three common causes of insurance claims: flooding, wildfires and wind.
Flooding
“The most fail-proof way to protect against flooding is to elevate your home,” Pho says. But not everyone can afford such an expensive project. To minimize flood damage, you can also:
Elevate appliances such as water heaters, heating and cooling systems, and electrical panels.
Avoid storing valuable items on the lowest level of your home.
Keep your gutters and downspouts clean.
Install a sump pump or other drainage system in your basement.
Use landscaping to channel water away from your home.
Install sewer backfill valves to keep flood water from entering your home through drain pipes.
Anchor fuel tanks to a concrete slab to keep them from washing away.
Add flood vents to let water flow through your basement without compromising the structure of the building.
Wildfires
Wildfires typically don’t engulf your home in a huge wall of flame, according to Barrett. Instead, most homes catch fire due to embers, which are “flying balls of flame that launch themselves a mile ahead of a wildfire front,” she says. If they land on a part of your house that’s flammable, they can ignite a spot fire that destroys your home.
To reduce your home’s wildfire risk, Barrett recommends taking a holistic approach, looking at your entire home and addressing flammable areas one by one.
Start with your roof. Does it have valleys where pine needles or other debris can gather? Clean them out regularly. If you have a wooden roof, can you replace it with a more fire-resistant alternative, such as asphalt or metal?
Even small things can make a difference, Barrett says — like moving firewood away from the house or making sure you don’t leave a wooden broom leaning against an outside wall.
Below are a few other steps you can take to make your home more resistant to fire:
Replace exterior materials with less flammable alternatives such as metal window frames, stucco walls and multi-pane windows.
Design your landscaping to create a defensible space around your home. This includes choosing fire-resistant plants, minimizing the use of mulch, keeping lawns well mowed and clearing debris.
Install fire sprinklers.
Cover vents, chimneys and soffits with fine metal mesh to keep embers out.
Seal gaps in exterior walls with fire-resistant caulk or foam.
Wind
Your roof is one of your first lines of defense against a hurricane, tornado or other windstorm.
So when it comes time to get a new one, “I would ask people to look to replace it not just with another roof built to code but to something that’s built above code,” says Papadopoulos. “You’ll have a stronger roof on your house that in case of a tornado or hurricane is less likely to tear apart. And when you lose that roof, believe me, you lose the whole house.”
Papadopoulos recommends installing a roof that’s up to a standard known as Fortified, developed by the Insurance Institute for Business & Home Safety. The Fortified program is a set of building upgrades designed to protect homes and businesses from wind, hail and other severe weather.
Other Fortified upgrades include things like chimney bracing, pressure-rated windows and doors, and attic vents that are resistant to wind and rain.
To further reduce your home’s risk of wind damage, you can:
Choose a garage door rated for wind and impact.
Install hurricane shutters or impact-resistant windows.
Make sure porch and carport roofs are properly anchored.
Brace soffits by sealing the area where they’re inserted.
Minimize items that could turn into projectiles by securing outdoor furniture, keeping trees properly trimmed and using mulch instead of gravel for landscaping.
Add hurricane clips or straps to help secure your roof.
For more ideas on strengthening your home against climate change, see flash.org, which offers tailored advice based on where you live. You can sort the site’s suggestions by cost, impact and type of disaster.
Hiring movers and using a moving company to help with your move has all sorts of benefits, like saving time and logistics coordination. Using these types of services is as basic as just having someone help carry boxes or entrusting the entire moving process to your movers. But how much do movers cost? How much will you need to pay for specific types of services and what’s included?
This guide on how much movers cost and the overall cost of moving will help you know what to expect so you can budget and prepare accordingly and not be caught off-guard.
How much does it cost to hire a moving company?
How much do movers cost? Unfortunately, there’s no one-size-fits-all answer to this key question. The cost of hiring movers and getting a company to help with your move depends on a variety of factors, from how far you’re moving to how much stuff you’re transporting.
To give you a ballpark figure, hiring a moving company ranges in price from $800 to $2,500. The national average cost of using movers is $1,400. But, moving company costs go up significantly if you’re moving cross country, ranging between $2,200 and $5,700.
Different companies, from local operators to major outfitters like United Van Lines, will also have different pricing structures and rates.
What does the cost of hiring movers include?
At its most basic, the cost covers labor (the movers) and the means of transport (the truck). You don’t need to go to an outside truck rental company, and you have at least one mover helping out. But, hiring movers can have all sorts of add-ons like packing materials.
What impacts the cost of hiring movers?
There are several factors that impact the cost of hiring a moving company and movers.
Time of year
The season and time of year that you move have a definite effect on how expensive your move will be. Peak moving season generally extends from Memorial Day to Labor Day weekend, meaning that the majority of people move during the summer months. In fact, roughly 70 percent of all local or long-distance moves happen during this timeframe. There are several reasons for this. For one, school is out and it’s easier to coordinate a move, especially long-distance moves when the kids aren’t in school. For another, the weather is nicer and the days are longer.
This also means that summer is a busy season for movers and costs are higher. If you plan your move in the off-seasons of fall, winter or spring, moving company prices are lower and you’ll save money.
Distance
The price to hire movers and use moving services also depends on distance and how far the movers have to travel, like moving to a different state. For a local move that’s within 100 miles of the original apartment, costs are generally lower. This is because there are fewer logistics and travel costs involved. A moving company can typically give you a quote over the phone instead of an in-person visit, and a short-distance move uses less gas and takes less time.
But, you can expect to pay much more for a long-distance move. Long-distance moving companies naturally charge more and have higher rates than local moving companies because of the travel fees associated with a long-distance move versus local moves.
For one thing, longer moves require more planning and are more complicated. The movers will typically have to come to your home and give you an in-person estimate. The more belongings you have, the bigger the truck required for the move. On a long-distance move, costs need to cover more necessities like gas, mileage, tolls and potential lodgings or essentials for the drivers and movers. You’re also paying for time. If the company charges an hourly rate, you’ll pay for all the hours the movers spend getting to the destination. For flat rates, they’ll be higher, as well, to account for the hours, miles and time invested.
Amount of goods
If you’re packing up a studio apartment and are mainly moving personal belongings, moving services cost less because they’re transporting fewer goods. But, if you’re packing up an entire three-bedroom apartment with furniture, appliances and more, it’ll take much more manpower and therefore cost more.
Number of movers
On top of paying by the hour, you’ll also pay per mover. For easy, local moves where you only need one or two movers, you’ll pay less. But, if you’re moving cross country with a three-bedroom apartment’s worth of stuff, it’ll likely require a bigger team and more experienced movers. In that case, you’re paying for the extra movers and their advanced expertise.
Size of truck
The larger the truck, the higher the cost. The size of the truck needed for your move also impacts the average cost. Smaller vehicles have better fuel efficiency and cost less due to their reduced capacity. But, bigger moves typically require larger box trucks or even semis to fit everything. Carrying bigger, heavier loads and being larger reduces the trucks’ fuel efficiency, requiring more frequent fill-ups at the gas station.
Specialty services and items
Moving fragile, unique items like grand pianos, extra vehicles or antique furniture drives the cost more since these objects require special care and attention.
Full-service moves
Full-service movers take care of pretty much everything for you during your move, from packing up your apartment to assembling furniture at your new place. But, that kind of personalized service comes at a much higher cost because it requires more hours, skills and personnel.
If you pay for labor-only movers and no additional services, you’ll keep costs down.
Packing supplies
Moving services that take care of everything for you also typically provide packing materials, but you rarely have control of the price. You can avoid these costs altogether by buying or using your own packing materials.
Accessibility or difficult locations
Movers charge a premium for more complicated moves. For example, if your new apartment is on the top floor of an older apartment building with no elevator, the movers will have to carry all the boxes and furniture up multiple flights or stairs. Typically, that can add a couple of hundred dollars to your bill.
Additional moving costs
On top of all these, you may have to pay for additional services like closing costs, using a storage unit or having the movers assemble furniture or unpack things for you.
How can I save money and reduce costs when hiring moving companies?
If you have a tight budget and need to keep costs down during the moving process, there are plenty of ways you can reduce your moving expenses.
Move on a weekday
Because of work, the majority of people plan their moves to happen on the weekend. Not only does this mean that movers have less availability, but also movers cost more on the weekends due to the increased demand.
You can usually find a better deal and more availability by moving during the week between Mondays and Thursdays.
Pack everything yourself
For an extra cost, a full-service moving company will pack all your belongings for you. But, the cost of having movers pack up your household for you can cost up to $1,000.
Avoid this charge by packing up your personal belongings ahead of the move. That way, you’re only paying for the labor of having movers load and unload boxes.
Find free packing supplies
Unless you have a ton of moving boxes and bubble wrap lying around, you’ll have to buy packing materials. Depending on how much stuff you need to pack, you may have to spend a decent amount of money on all the supplies you need.
Luckily, there are ways to find free packing materials. If you know you have a move coming up, you can start saving boxes you get in the mail in advance. People frequently get rid of unwanted packing materials on online marketplaces like Craigslist and Freecycle. Check with friends, family and acquaintances to see if they have boxes and other materials to spare. You can even request free boxes from USPS.
Don’t move at the beginning or end of the month
Since most apartment leases start or end at the beginning or end of the month, those are the busiest times for movers. By planning your move for the middle of the month, movers cost less and have more availability.
Is it cheaper to move by myself and not hire movers?
Generally speaking, yes, it’s cheaper to do a DIY move and not hire professional movers. For one thing, you don’t have to pay an entire crew of people to help you with the move. You’ll still need to pay for a moving truck, gas money, packing supplies and maybe some pizza and beer as a thank you to any friends or family members who helped out.
In some cases, you may not even need to rent a moving truck. If you don’t have a ton of stuff to move, you can usually make do with your own car and borrow a friend’s truck. But,as you get older and accumulate more belongings, you’ll likely need to get a bigger truck rental.
However, since you don’t have someone helping you with the planning and logistics of a move, you may encounter unexpected costs or expenses that you didn’t plan for or anticipate. You’ll also have the entire burden and stress of moving solely on you.
How much should I tip?
On top of the overall moving costs, it’s customary to tip the movers assigned to your move. It’s not required, but it’s good practice and generally expected as a final thank you for a job well done. It’s especially recommended to tip your movers more if the job was especially big or they had to handle fragile items. Fast, efficient service and your movers going above and beyond are also reasons to tip more. Cash is also best.
There’s no set amount since moving costs are different for each person and company. In general, you should tip between 5 and 10 percent of the total cost of the move. Another option is to tip by the hour. Anywhere from $6 to $12 per hour and per mover is a good current rate. The more movers you have and the more hours they work, the higher the tips are.
Your tip should also be big enough so all the movers, including the driver, are equally compensated. To make sure that everyone gets their share, you can pass out the tips to everyone while thanking them. Another way to thank your movers is by providing easy food like pizza and sandwiches and drinks.
The tip should also reflect the quality of the service. If lots of boxes arrived damaged, the movers got the moving date wrong or the moving truck arrived late, those are all causes for a reduced tip.
What are the benefits of hiring a moving company?
Even though using a moving company is expensive, there are many benefits to hiring movers to assist you with a big move.
Prevents injuries
From heavy boxes to giant pieces of furniture, the process of moving apartments is rife with opportunities to accidentally injure yourself or others. You could pick up a heavy box of books and hurt your back. Maneuvering heavy furniture opens the door to everything from accidentally dropping it on someone’s foot to hurting yourself rather than risking damaging the furniture. While there are certainly some items you can easily move by yourself, others it’s best to leave the pros.
Since movers do this for a living, they have more than enough experience handling heavy boxes or unwieldy furniture. Not only do they have the strength and dexterity, but they also operate as a team, working together as a well-coordinated, experienced unit to safely move items without injury or damage to themselves or the objects.
Finally, they also have the proper tools for the job. From moving dollies to hand trucks, having the right equipment reduces the risk of injury. So, why put yourself at risk of lifting that too-heavy box of books when you can call in the pros?
Saves time
Saving time is one of the biggest advantages of hiring a moving company.
Maybe you’re starting a new job on the other side of the country and need to get settled in by a certain date. Or, you’re trying to juggle a job, family and other responsibilities while planning a move at the same time. Whatever the reason, most of us already have significant other demands on our time aside from moving. Most people don’t have the benefit of hitting pause on all their other responsibilities while moving house. Moving takes a lot of time and can take anywhere from a few days to several months from start to finish. That’s where movers come in.
If you don’t have the time of day to plan and coordinate everything yourself, a moving company takes the stress of planning off your plate. Even if you do have the time, it’s nice to leave the process in the hands of professionals. By shifting the logistics of moving to your movers, you can focus on other things and not get overwhelmed.
Professional service and expertise
When your car breaks down, you take it to the mechanic. If your sink gets clogged, you call a plumber. We turn to professionals to solve all kinds of problems, so why wouldn’t you do the same for moving?
Professional moving companies are here to make the process of moving easy for you. They take care of all the heavy lifting (literally), offer quality customer service and take the burden off your shoulders. If something goes wrong or there’s an issue, they problem-solve and offer solutions. As moving experts, they know exactly how to get your belongings from Point A to Point B safely and efficiently. Everything from loading and unloading to planning out the logistics of the move, they can do for you, and you know you can trust them because they do this every day. You also know that your personal belongings are safe and are in good hands.
Hiring a moving company ensures you have an expert beside you to hold your hand, answer your questions and take care of everything for you during the move.
Reduces stress
No matter which way you slice it, moving is a stressful process. Maybe you have a short timeline and don’t have a ton of time to pack and plan. Even if you have months to plan a move, unexpected problems like delays can come up. When you hire movers, you don’t have to face and solve these problems alone, which cuts down on stress.
How much will my move cost?
Now that you know what factors impact the cost of hiring professional movers, you may wonder how much your move will cost you.
To calculate the cost of your move, you can use our moving cost calculator to get a free estimate and start creating your moving budget. As you’ve seen above, there are plenty of ways you can keep moving costs down, from packing your belongings yourself to being flexible with the season or time of the month that you move.
How much movers cost depends on the needs of your move
While some moving costs are in stone, you can take steps to reduce costs or find a moving operator that fits your budget.