Years ago, I discovered cockroaches in my Chicago apartment. I spent money on sprays, traps, and other pest control gadgets to rid my place of the disgusting rent-free tenants, but I was no match for them.
So I turned to my landlord for help. If he refused, I’d withhold rent or break my lease—I was justified, right?
Maybe. Maybe not. Rental laws and tenant rights vary from city to city, and it actually might not have been OK for me to up and leave—even if my landlord wasn’t getting the job done. (Thankfully, it didn’t come to that: He quickly hired an exterminator, and I lived out the remainder of my lease roach-free.)
But like I did, many tenants believe that you can simply deduct or skip rent for problems or repairs—which is just not true. And there are other myths about renting that are widely believed. Here are some of the most common ones—and the truth behind them.
1. You’ll never land an apartment with a bad credit score
Yes, bad credit can make things more challenging, especially in a competitive rental market. But it doesn’t automatically disqualify you as a rental candidate.
When you fill out an application for housing, you’ll undergo a credit and background check. But other factors—such as applying with a roommate, proof of pay stubs, or letters of recommendation from your previous landlords—may help seal the deal.
2. The longer you’ve lived somewhere, the greater the chances you’ll lose your security deposit
So you’ve lived in a place for only a year, and there’s no damage to speak of—you’ll probably get your security deposit back, right? But if you’ve lived there longer, you’re probably thinking you can kiss that deposit goodbye.
It isn’t always so cut and dried, says Megan Perkins Roldan, property manager at Chestnut Tower Apartments in Chicago.
“We definitely take into account the length of tenancy when assessing wear-and-tear damages and expect that longer-term residents will need more work from us at move-out,” Roldan says. “But it’s not necessarily [considered] damage.”
The best way to avoid charges is to leave the unit in the condition it was when you moved in, whenever that was. Do a deep clean, patch large holes, and repaint any custom-colored walls.
3. Your landlord can evict you for any reason
If you’re on a signed lease, a landlord typically can’t evict you for any reason. The landlord must show sufficient evidence that you’ve broken the lease agreement, and your eviction is justifiable. (If you’re renting month to month, however, the rules get a little fuzzy.)
What’s more: You shouldn’t come home to find the locks changed and your stuff out on the street. To evict a resident, landlords or property management companies must provide sufficient and specific written notice, according to Nolo, one of the largest online libraries of legal information for consumers.
If you fail to move or change your behavior after receiving the notice, the landlord has the legal right to proceed with a lawsuit to evict you.
4. A landlord is responsible for all repairs and maintenance
The responsibilities of the landlord or property manager vary depending on where you live and the terms of your lease. In general, your landlord is on the hook to handle such things as general maintenance, noise complaints, plumbing issues, and pest control.
But there are some things that simply aren’t your landlord’s problem—usually if it’s something caused by you.
“If the damage is due to the tenant’s negligence, the landlord might choose to address the repairs and withhold the cost of the repairs out of the tenant’s security deposit,” says Daniel L. Staley, associate broker at Staley Real Estate in Rhinebeck, NY.
And, if damages are severe enough, it could cost you more than your security deposit—we’re talking lawsuits.
5. You can deduct rent when you do your own repairs or maintenance
While it might seem easiest to just subtract the money you spent on repairs, this could get you into trouble down the road—especially if you haven’t discussed this arrangement with your landlord.
Leave the work to your landlord, and make sure to send him an itemized list of what needs to be done. That way, if the landlord refuses to do the repairs, you have ammo to take to a higher power.
Renters can call their local building inspectors “to inspect [the place] and force the landlord to make the repairs that are required by code,” says Alicia Bosben, broker property manager at the Realty Tree in Madison, WI.
6. Rental prices are set in stone
We won’t lie: You don’t typically have much bargaining power when it comes to how much you’ll pay—especially in a hot rental market. But each landlord is different, and you do have a few tricks up your sleeve.
First, consider a longer lease. Landlords don’t usually want to deal with turnover. If you can commit to being in for the long(er) haul, they might be more willing to negotiate the rental price and lease terms.
Second, consider your time frame. There are typically more rental vacancies in winter, so landlords might be more inclined to strike a deal at that time.
Finally, arm yourself with info to help your case: Know the vacancy rate and the going rate for similar units in the area, and bring recommendation letters from your current landlord to show you’re a good tenant.
7. Landlords can enter your place whenever they want
A landlord may need to enter your unit for a variety of reasons—to show your unit to prospective tenants, to check the fire alarms, or simply to do routine maintenance.
But legally, a landlord can’t enter your apartment whenever he wants. He must provide you with sufficient warning, generally 24 hours.
There are some exceptions, of course: If there’s an emergency—like fire or a sever water leak—landlords can enter without notice.
8. You’re flushing away money by renting
Sure, buying a home is a good investment. But there are a ton of reasons why renting isn’t a bad investment.
It might be better for you financially, you might like having someone on call for maintenance and repairs, or perhaps you simply want the flexibility to up and move whenever you want. Plus, renting can allow you time to save for a down payment on that house.
So the next time well-intentioned friends or family members try to tell you that renting is a bad move, tell them it’s a myth—and you can debunk it.
Perhaps one of the most universally-loved travel experiences is a quiet weekend at the beach, filled with morning cups of coffee enjoyed on the patio of a sun-drenched cottage and hours spent reading, sprawled across nautically striped chairs. While it may only be April and the season of beach outings is still several weeks away, if you’re missing the undeniable charm of a coastal adventure, then it may help to channel the impeccable taste of a Cape Cod seaside home within your very own abode.
Amazon has long been the go-to destination for all things style and travel, but the shopper-loved retailer is also well-stocked with beachy home decor that can instantly transform your plain apartment or house that might be lacking in personality into something out of an Elin Hilderbrand novel. In fact, the site is currently bursting with deals on everything from ornate lamps to elevate your living room to a coastal quilt set that’s guaranteed to help you feel like you’re living in a seaside oasis.
We’re dedicated to getting the best deals on the gear you need to make the most out of your vacation — even if your current travel destination is your home. Keep scrolling for the 10 decor essentials that can help you mimic the Coastal Grandma aesthetic and achieve a beachy experience from the comfort of your living room. From these stunning sea glass-inspired cups that are now on sale for $60, to this essential cottage-core woven blanket that’s only $23, you won’t want to miss out on Amazon’s top picks that will help you accessorize the beach cottage of your dreams, even if you’re landlocked.
Nautical Lamp
Designed with a stunning turquoise sea glass base that’s been wrapped in a nautical buoy-inspired rope, this whimsical lamp is an excellent way to channel the charm of a beach house in your own home — and right now it’s on sale for an impressive 57 percent off. The white lampshade casts a soothing glow throughout any room it’s staged in, and a simple on-and-off switch on the cord makes it easy to use. If you’ve been looking for an accessory to brighten up your bedside, this is the perfect selection.
To buy: amazon.com, $35 (originally $80)
Seagrass Woven Rug
Using natural materials in your home is an excellent way to bring the beach to you, and this understated seagrass runner will look stunning in your entry hallway or kitchen to add some outdoorsy flare to your home. A non-skid backing offers impressive grip against the flooring, and the timeless beige will tie together any other decor themes existing in your home.
To buy: amazon.com, $83 (originally $100)
Wooden Porthole Mirror
Round mirrors naturally add a bit of flare to any room they adorn, and this chic, wooden-rimmed piece is designed to resemble a porthole without ever actually boarding a ship. Right now the stunning piece is on sale for just $83 with a special on-site coupon, and it will easily add intrigue to your home with the smooth, light wood finish and easy-to-hang wire affixed to the back of the mirror.
To buy: amazon.com, $83 with on-site coupon (originally $151)
Blue Glass Cups
Finding sea glass is one of the many charms that comes with beachside living, so carry that vibrant coloring into your home with these cobalt blue glasses which are sure to make a splash during your next dinner party. Hand blown and made of recycled glass, this set of six glasses is a must-have addition to your kitchen at just $60 with an on-site coupon.
To buy: amazon.com, $60 with on-site coupon (originally $70)
Cotton Weave Blanket
There’s nothing quite like lounging on a beach chair outside at night, wrapped in a cozy blanket, and this turquoise woven throw is the perfect way to experience that distinct comfort from home. Coming in at 50 inches by 60 inches and affixed with white tassels, this timeless throw will instantly enhance your sitting situation with a splash of color that emulates the sea.
To buy: amazon.com, $23 (originally $25)
Coastal Quilt Set
Bringing the oceanic charm into your bedroom is this coastal reversible quilt set that’s decorated with seashells and other aquatic designs to carry the beach setting indoors. It’s perfect for dressing up an actual beach cottage or simply transforming your existing bedding, and this lightweight quilt is made with a soft polyester material that also comes with two shams, two pillowcases, and two decorative pillows for just $80.
To buy: amazon.com, $80 (originally $260)
Decorative Throw Pillows
Throw pillows are the easiest way to personalize and even refresh any room, and these plush jade green velvet pillows will brighten up your home to beach house status with a seafoam flare. Currently on sale for just $17, this set of two 18-inch by 18-inch pillows is incredibly comfortable and will look great no matter where you place it. The pillows even come in 11 stunning colors if you’re looking for a more neutral option.
To buy: amazon.com, $17 (originally $18)
Herringbone Frame
Bringing the blues of the ocean into your home is this herringbone photo frame that’s been hand buffed and polished to make your pictures come to life. Coming in 4-inch by 6-inch, 5-inch by 7-inch, and 8-inch by 10-inch sizes, these high-quality frames are a simple touch that will add a coastal charm to your living room for as little as $13 at Amazon.
To buy: amazon.com, $13 (originally $18)
Beach-themed Prints
What better way to channel a beach house vibe within your own home than with this stunning set of six prints depicting the sun and surf of the summer. These 8-inch by 10-inch photos are framed with a light wood much like driftwood at the beach, and the soothing combination of gray and beige in every image will deliver a subtle calming effect within your living room or bedroom.
To buy: amazon.com, $45
Hammock With Pillow
The outside of your home is just as important as the interior, and this traditional rope hammock complete with a cushy pillow will transport you to the seaside without ever leaving your backyard. The spacious design easily fits two people, and right now the highly-rated hammock is on sale for $55 as we head into warmer weather.
To buy: amazon.com, $55 (originally $70)
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Although inflation may be cooling, interest rates remain high. As a result, you may find yourself opting to rent rather than own, either by choice or by extenuating circumstances. The good news is that renters insurance is significantly cheaper than home insurance at around just $174 per year on average, according to the Insurance Information Institute (Triple-I). This is because renters insurance only provides coverage for the home’s contents along with the renter’s liability, rather than including coverage for the structure of the home. To help you identify which renters insurance company best meets your needs, Bankrate reviewed the largest renters insurance companies by market share based on a variety of key metrics.
Why renters insurance is important
Renters insurance is relatively inexpensive at around $15 per month on average, but its value can significantly outweigh its monthly cost in the event of a claim.
In addition to replacing your personal belongings, renters insurance also offers coverage for incidents that affect your guests. Perhaps a guest slips at your residence, sustaining an injury. In this case, renters insurance could help pay for their medical costs. If the injury results in legal action, renters insurance could also help pay legal fees. Insurers commonly offer coverage for relocation and food if your rental becomes temporarily uninhabitable due to a covered claim.
Add-ons are generally available for your renters insurance policy as well to help provide more robust coverage. For example, if you need extra coverage for your jewelry or other high-value items, you may be able to add additional coverage on top of your standard renters insurance.
Best renters insurance companies
Bankrate has researched more than a hundred companies offering renters insurance policies to narrow down some of the best renters insurance companies of 2023. The following companies have all been selected based on positive customer satisfaction ratings by J.D. Power, a leading third-party source for industry research, and have received “Excellent” or “Superior” credit ratings from AM Best. Having a positive rating from AM Best indicates that an insurance company has historically been able to meet ongoing financial obligations like operating costs and claims. Additionally, the companies below either include additional protections or offer them as add-ons for your renters policy, such as pet insurance and flood coverage.
*Not rated by AM Best, but rated A (Exceptional) by Demotech for financial stability
**Not officially ranked by J.D. Power due to eligibility restrictions
Allstate
Best for: Discount opportunities
Allstate tied with USAA for Best Home Insurance Company Overall in the 2023 Bankrate Awards. Although the Bankrate Awards focus on homeowners insurance rather than renters, many of the same homeowners features also translate to the company’s renters insurance product. For instance, Allstate won partly thanks to its highly-rated mobile app and wide network of brick-and-mortar agencies. Additionally, Allstate offers even more savings opportunities with its multiple policy discount, 55 and retired discount and Easy Pay discount for scheduled monthly payments. However, Allstate received a slightly below-average rank in the 2022 J.D. Power Home Insurance Study for renters insurance customer satisfaction. While the score is not significantly lower than the industry average, customers seeking exceptional customer service may want to carefully weigh how the carrier stacks against other options.
PROS
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Access to other policy types for a multiple policy discount
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Easy-to-use mobile app and online web portal for policy management
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Slightly lower J.D. Power score than the other companies on this list
Learn more: Allstate Insurance review
Erie
Best for: Regional coverage with robust options
Erie Insurance has a stellar reputation built upon affordable rates and an easy-to-navigate claims service. Erie offers considerable discounts on bundles, additional living expenses if you need to find a temporary place to live and the option for extra coverage for things like identity recovery and your more expensive personal items. Unfortunately, Erie only offers renters insurance in roughly a fifth of the U.S., but could be an excellent choice if you live in one of the areas it services. States covered are Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. Erie also offers coverage in Washington, D.C.
PROS
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Ability to work with a local insurance agent
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If requesting a quote seven days from policy start date, renters insurance could qualify for an additional discount
CONS
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Limited state availability compared to other national carriers
Learn more: Erie Insurance review
Liberty Mutual
Best for: Renters on a budget
Liberty Mutual could be a great choice for renters on a tight budget. The company advertises that its policies start at just $5 per month. Although the coverage options available are fairly basic, you might be able to add replacement cost coverage for your belongings, as well as jewelry coverage or earthquake coverage. However, Liberty Mutual does have a higher-than-average complaint index score with the National Association of Insurance Commissioners (NAIC). A score of 1.00 represents a baseline number of complaints. Liberty Mutual’s overall score is 2.66, indicating that the NAIC receives more than two and a half times as many complaints for the company than average.
PROS
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Option to add replacement cost, meaning personal belongings will be replaced without factoring in depreciation
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With blanket jewelry protection, renters have one set amount to cover their jewelry with no need for appraisal or deductible after a covered loss
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High NAIC score indicates Liberty Mutual receives more complaints than other similar-sized carriers
Learn more: Liberty Mutual Insurance review
Lemonade
Best for: Digital policy management
Lemonade is another 2023 Bankrate Award winner for Best Digital Home Insurance Company. Lemonade terms itself as “insurance for the 21st century.” Its mobile app, powered by Maya, its artificial intelligence bot, helps renters get a quote, manage their policy and file a claim all in one place. Renters who want an insurance company focused on global causes will appreciate that leftover premium is donated to many different causes like the Malala Fund, the Trevor Project and March for Our Lives. However, the all-digital experience means renters won’t be able to have in-person customer service. Additionally, Lemonade renters insurance is only available in 28 states and Washington, D.C.
PROS
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Simple mobile app interface for all your insurance needs
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Policies can be started in 90 seconds and claims paid out in as little as three minutes
CONS
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Renters insurance is only available in 28 states and Washington, D.C.
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Lemonade car insurance is only available in a few states, making it difficult for renters to qualify for a multiple policy discount
Learn more: Lemonade Insurance review
Nationwide
Best for: Customer service experience
If you’re looking for world-class customer service, then Nationwide might be worth checking out. Out of all the renters insurance companies that J.D. Power officially ranked in 2022, Nationwide earned the top spot. Although Nationwide might be a little more expensive than average (the company states that its renters policies start at $20 a month), the added expense could be worth it to the right shopper. Additionally, Nationwide offers a Brand New Belongings endorsement, which could help you replace your items for their replacement value rather than actual cash value (which takes into consideration depreciation).
PROS
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May get a bundling discount for purchasing renters and auto
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Optional coverage-add on could help make for a robust renters policy
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May be more expensive than average
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Customer service is not 24/7
Learn more: Nationwide Insurance review
State Farm
Best for: Local offices
State Farm offers renters insurance in every state throughout the U.S., making it a great option for renters in underserved rural areas or areas. But it’s not just State Farm’s wide availability that may make it a good option. The company also has exceptional ratings from companies like J.D. Power and AM Best, which could make it a safe bet for your renters policy. Although State Farm doesn’t offer nearly as many discounts as some of the other providers we’ve chosen, you might lower your premium if you insure your car with State Farm or if you have security devices installed in your apartment.
PROS
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Excellent customer service and financial strength ratings from third-party agencies
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Knowledgeable local agents to help you with your insurance journey
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Fewer discount opportunities compared to other carriers
Learn more: State Farm Insurance review
The Hartford
Best for: Policyholder perks
To qualify for The Hartford, you must be a member of AARP — and to be a member of AARP, you must be 50 or older. However, AARP members get exclusive access to a long list of discounts and perks as well as access to The Hartford renters insurance. The Hartford policyholders could save on hotels, gas, plane tickets, cell phone plans and more. The carrier’s New for Old protection also comes standard in its renters policies, which offers replacement cost for your items if they are damaged or destroyed in a covered loss. Additionally, The Hartford may give you a discount on your renters policy simply for living in a gated community.
PROS
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Flood coverage is standard on renters insurance policy
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If moving or deployed overseas, personal belongings would be insured with overseas coverage
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Not available to the general public
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Can only do business over the phone or online, no local offices
Learn more: The Hartford Insurance review
USAA
Best for: Military-centric coverage
USAA tied for Best Home Insurance Company Overall in the 2023 Bankrate Awards, partly due to its high J.D. Power scores and nationwide availability. The company has a stellar reputation among consumers and the insurance industry, and it offers renters insurance policies particularly supportive for those in a military lifestyle. The basic policy includes coverage for personal property, personal liability, medical payments and additional living expenses. Flood coverage is also included in standard USAA renters insurance policies, which is notable considering that flood insurance typically has to be purchased separately.
However, USAA is not available for everyone, which could be considered a major drawback of the company. Only military members, veterans and immediate family members may be eligible for coverage. Unless you fit one of these categories, you will not be able to purchase a USAA policy.
PROS
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May get a bundling discount for purchasing renters and auto
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Optional coverage-add on could help make for a robust renters policy
CONS
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May be more expensive than average
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Customer service is not 24/7
How to compare renters insurance companies
With so many renters insurance companies on the market, how do you choose which provider is right for your needs? Finding the best renters insurance policy will depend largely on your particular living situation and coverage preferences. The first step to finding a provider who can best cover your unique circumstances is to take some time to consider what you may want from a company.
For example, if you run a business or keep business-related items in your home, you may find that an add-on for extended coverage or business personal property is necessary. This may cause you to look for a provider which specializes in renters insurance for business personal property.
Additionally, it may be helpful to review third-party reviews from companies like J.D. Power and AM Best. J.D. Power runs numerous studies each year, including evaluating renters insurance companies. Scores are out of 1,000 points and evaluate customer satisfaction based on a number of factors. AM Best rates the financial strength of insurance companies based on their historical ability to meet financial obligations and pay claims. This measure may be comforting when predicting how future claims are likely to be handled, especially if a company is inundated with numerous claims at once.
Once you have identified a handful of companies that could meet your needs, you can start requesting quotes. This can often be done online or by phone, or you could contact a local agency. Getting quotes from several different insurance carriers allows you to compare premiums, coverage options, discounts and policy features.
Additional considerations before choosing a renters insurance policy
Like any insurance policy, renters insurance is not one-size-fits-all. No two rental circumstances are the same, and neither will the insurance for them be. When choosing a renters insurance company and personalizing your policy, you may want to consider:
The value of your belongings. To help ensure you do not over- or under-insure your belongings, you could create a home inventory. This exercise could help you estimate the total value of your belongings so that you choose an appropriate personal property coverage amount.
If you have any high-value items. Possessions like fine jewelry, collectibles, fine art, guns or antiques often have set coverage limits included within a policy. For example, without alterations to a policy, you might only have $1,000 in coverage for jewelry, regardless of how much personal property you buy. Scheduling your high-value possessions can provide more accurate and broader coverage.
If you have a pet. You might not consider your pet when you buy renters insurance, but you should. While many pets are covered for liability, some dog breeds and exotic animals are often excluded. If you have one of these animals, you probably want to look for a company that will extend liability insurance to it. That way, if your pet injures someone, your insurance can step in to help pay for the bills.
How often friends and family visit. If you like to host events at your home, or often host large parties of people, having this in mind could help you determine the right amount of liability insurance for your needs.
What company insures your vehicle: Many car insurance companies also offer renters insurance. When you bundle your policies together, you could see significant savings. Plus, there’s the added convenience of having all your insurance policies in one place.
If you aren’t sure where to start in your search for renters insurance, sitting down with a licensed insurance agent can be helpful. An agent can listen to your needs, circumstances and concerns and help recommend companies, coverage types and policy features that fit your situation.
Looking to add a pop of color to your decor? We suggest Viva Magenta!
Continuing in a 20-year tradition, Pantone has selected their Color of the Year 2023, Viva Magenta. Chosen for its powerful hue and electrifying tones, this member of the crimson red family packs a positive punch and has a lot of potential. It can easily fit in your own apartment home or as a fashion statement.
PANTONE 18-1750 Viva Magenta is a balance between warm and cool. It’s not so bright as to dominate your existing color palette, but instead can work to enhance elements you already have in place. Complimentary colors include shades of gray, greens and soft blues and pinks.
If a pop of color is what you crave in your design scheme, it’s time to join the Magentaverse with these great items.
Add Viva Magenta around your home
Adding Viva Magenta around your home doesn’t have to mean buying new furniture and making massive changes to your decor. It’s all about the small details when it comes to infusing some new color, making every room prime for an update.
Add a few extra pillows
It’s easy to swap these out as your color tastes change. Tossing a few throw pillows onto your couch or chairs can transform the room. Incorporating ones in Viva Magenta can add warmth to your space, especially if your furniture is in cooler grays or blues. Grab solid color pillows to make a big statement, or find a patterned pillow that uses this bold color sparingly for something more subtle.
Throw in a big blanket
Nobody can argue about the comfort offered by a big, soft blanket. Whether you’re using it as a throw on the couch, or to lay across your bed, cozy is key, but color matters too. Adding a blanket in a Viva Magenta hue infuses any activity with powerful color even if you’re just cuddling up to watch a movie. But remember, the bigger the blanket, the better.
Hang up a new piece of wall art
You don’t need to paint an entire wall in Viva Magenta to add a little something extra to your space. Instead, find a piece of art that incorporates the happy tone for a powerful statement piece that hands on the wall. Place it behind the couch or even above your bed to add a little something extra.
Light some aromatic candles in the right containers
It doesn’t really matter what the candle smells like, or even what color the candle is. However, setting up some candles in glass containers tinted with the Pantone Color of the Year 2023 will certainly add a vivid spot to any room. You can even buy the container separate from the candles, customizing the scent to your own tastes.
Set out new spatulas
Even if you have all the kitchen tools you need, there’s no reason you can’t grab a few new items and change things up. Whether you’re replacing kitchen utensils that are starting to show some wear and tear, or you just want some color in your utensil basket on the counter, think hot pink. A set of spatulas in magenta are both useful and colorful, a perfect pairing.
Incorporate Viva Magenta into your outfit
From pieces of clothing to a favorite accessory, a little color enhancement to your outfit can change your look. It can even change your mood.
Viva Magenta is a vigorous shade that can take drab to designer whether you’re wearing it on your head or feet (and anywhere between).
Dress in a shade of crimson red
Can’t get enough of this year’s Pantone color? Why not wear it? Perfect with jeans for a casual outfit or refined enough for nicer attire, clothing in Viva Magenta will certainly get you noticed. Try out a chunky cardigan for those casual Fridays or wear this electrifying color to the gym. You can even make it work for your next cocktail dress.
Transform your winter wear
Cozy gloves on a cold day are the best, and in this hot shade of magenta, they’ll brighten your day even more while warming you up a little. A nice pair of knit gloves are easy to take on and off and are comfortable to drive in if that steering wheel takes a while to warm up. Just don’t wear them to make snowballs. For that, you’ll need a waterproof pair.
Add some sparkle
If you don’t want clothing in the Pantone Color of the Year 2023, but want to incorporate it into your outfit as more of an accent piece, go for some jewelry. You can do something subtle, or a little more pronounced — whatever your style. Some fun options include funky earrings or a sparkling, simple necklace.
Complete your look for a night out
You may have your everyday bag that’s functional over stylish, but changing it up for a night out can be fun. Grab a smaller, more compact purse to add some color to any outfit. A clutch adds style and refinement while still holding all your essential items.
Do it up in Viva Magenta
It’s time to say goodbye to last year’s cool color, Very Peri, and think ahead to something bolder and brighter. The Pantone Color of the Year 2023 has so much potential.
How will you use this audacious crimson red? The possibilities for Viva Magenta are endless.
When you buy through links in this article, we may earn an affiliate commission.
Maybe it’s a hatred of cold weather, a love of chicken and waffles or even the fact that the south is teaming with jobs in both tech and entertainment, but when it comes to the fastest-growing US cities, southern cities are booming. The U.S. Census Bureau recently released its list of The Top 15 Fastest Growing Cities in America, and 10 of those locations found themselves south of the Mason-Dixon line.
According to Amel Toukabri, a demographer in the Census Bureau’s population division, this is part of a growing trend. “Overall, cities in the South continue to grow at a faster rate than any other U.S region. Since the 2010 Census, the population in large southern cities grew by an average of 9.4 percent. In comparison, cities in the West grew 7.3 percent, while cities in the Northeast and Midwest had much lower growth rates at 1.8 percent and 3.0 percent respectively.”
So where are these cities where the population is growing like crazy? Here’s the Census Bureau’s top 15:
The 15 Fastest-Growing Large Cities in America
Rank
City
Metro Area
Percent Increase
2016 Total Population
1
Conroe, TX
Houston, TX
7.8%
82,286
2
Frisco, TX
Dallas-Fort Worth, TX
6.2%
163,656
3
McKinney, TX
Dallas-Fort Worth, TX
5.9%
172,298
4
Greenville, SC
Greenville, SC
5.8%
67,453
5
Georgetown, TX
Austin, TX
5.5%
67,140
6
Bend, OR
Redmond, OR
4.9%
91,122
7
Buckeye, AZ
Phoenix-Scottsdale, AZ
4.8%
64,629
8
Bonita Springs, FL
Fort Myers, FL
4.8%
54,198
9
New Braunfels, TX
San Antonio, TX
4.7%
73,959
10
Murfreesboro, TN
Nashville, TN
4.7%
131,947
11
Lehi, UT
Provo, UT
4.6%
61,130
12
Cedar Park, TX
Austin, TX
4.5%
68,918
13
Meridian, ID
Boise, ID
4.5%
58,627
14
Ankeny, IA
Des Moines, IA
4.5%
58,627
15
Fort Myers, FL
Fort Myers, FL
4.5%
77,146
Calculated between July 1, 2015, and July 1, 2016 (Populations of 50,000 or more in 2015). For methodology, please click here.
Are you currently living in one of America’s fastest-growing cities? Would you move to one of these cities for better apartments or job opportunities? Get discussing below on social!
From saunas to serene city views, these are the most relaxing spa-style apartments in Denver.
As one of the most active and fastest-growing cities in the country, Denver has a lot to offer. With everything from skiing to river rafting to barhopping all close by, it can be tough to carve out time for yourself.
One way to make it easier to prioritize personal time is to move to an apartment complex that provides all the spa-style amenities you crave. The apartment communities that grace this list are some of the best-equipped abodes in Mile High City to help you unwind.
Source: Rent. / Bromwell
It’s darn near impossible to stay stressed at a rooftop spa. Bromwell provides residents with an expansive rooftop pool and hot tub area complete with cabanas, loungers and views of Alamo Placita and beyond.
Along with a luxury spa-style pool and hot tub area, Bromwell also boasts a number of indoor and outdoor shared spaces that all provide residents with everything they need to unwind and forget about the stresses of the week. Whether you’re a Sunday soaker or a cabana coffee drinker, there’s something for you at Bromwell.
Source: Rent. / The Seasons of Cherry Creek
The Seasons of Cherry Creek is one of the only apartment complexes in Denver that houses an on-site sauna. A great place to cure sore muscles, detox after a big weekend, improve circulation and more, it’s here that you’ll find the benefits of regular sauna sessions are all-encompassing.
Located in the highly sought-after Cherry Creek neighborhood, this beautiful complex also boasts a huge resort-style pool, wine cellar, private art collection and a communal firepit. The long list of amenities at this luxury complex provides resources to detox, retox and everything in between. Long story short, stress isn’t going to find you here.
Source: Rent. / The Quincey
The outdoor pool and spa at The Quincey are truly second to none. With two side-by-side rectangular hot tubs situated next to the large rectangular lap pool, this glass-lined pool area is always pristine and the pride and joy of this exclusive community.
This Central Business District apartment complex also has a spa specifically for the four-legged residents. This pet spa is so nice that it just might have your dog begging for bath time. Beyond that, The Quincey also provides residents with a yoga studio and stretching area that is the ideal spot to work out the demons of a long week or meditate before heading to work on a Monday morning.
Source: Rent. / The York on City Park
The York on City Park boasts one of the coolest communal areas you’re ever going to find. Centered around a mid-century modern fireplace, the indoor lounge at this City Park apartment complex invites residents to step back in time and unplug from the stresses of daily life by getting lost in the fire and wilderness view outside the large windows.
The York on City Park also boasts a beautiful outdoor pool area. While the pool may be slightly too small for swimming laps, it is the perfect size for relaxing, lounging and breathing in that fresh mountain air. Regardless of what’s going on with the weather, you always have somewhere to escape to at The York on City Park.
Source: Rent. / Gables Cherry Creek Apartments
With beautiful stonework around the spa and a stunning view from the pool, the rooftop at Gables Cherry Creek Apartments is one of the more relaxing places in Denver to spend a day (or an entire weekend).
This Belcaro beauty also houses an onsite pet spa, spin studio and multiple communal lounges with comfortable furniture, WiFi and unobstructed views of the city. Crack open a book, kick off a conversation with a neighbor or find a quiet place to sit and think about the twists and turns life takes. Regardless of what your relaxation goals are, all the resources you need to meet them can be found at Gables Cherry Creek Apartments.
Source: Rent. / EVIVA on Cherokee
The pool at EVIVA on Cherokee is one of the more distinctly styled apartment swimming areas you’re ever going to find. With an oval shape and city views alongside a half-circle-shaped green space equipped with lounge chairs and a hammock, this is a sweet place to hang out and let stress slip away.
This Capitol Hill apartment complex also boasts a light-filled, street-level lounge with floor-to-ceiling windows, designer furniture and a coffee bar. This is in addition to the on-site yoga studio and demonstration kitchen. Whether you like relaxing by the pool, working on your flexibility or whipping up a healthy meal, you can do it all just steps from your front door at EVIVA on Cherokee.
Source: Rent. / Gables Vista
The elevated pool area at Gables Vista is a serene place to soak up the sun and breathe in the mountain air. With a side-by-side pool and hot tub, lounge chairs under umbrellas, and stellar views of the city, Gables Vista is a great place to unwind and find your inner peace.
This Belcaro apartment complex also boasts a covered open-air dog run so you can walk your furry friend in the winter without having to traverse the snow. It’s forward-thinking amenities like this that make Gables Vista one of the premier spa-style apartments in Denver.
Source: Rent. / Steele Creek Apartments
Steele Creek Apartments is an undeniably relaxing place to call home. One of the main amenities that give it that distinction is the on-site yoga studio. With dark wood flooring, mirrored walls and a large flat screen for guided classes, you can always stretch and decompress in this serene space.
Located in the heart of Cherry Creek, this upscale apartment community also boasts a thin, rectangular rooftop pool with stunning views and an elevated fire table area, perfect for cold Denver days and chilly summer nights. Take a dip or take a sip. Either way, you’re soaking in a stellar view and breathing the fresh mountain air.
Source: Rent. / AMLI RiNo Apartments
AMLI RiNo is an amenity-heavy apartment community in Curtis Park. Curated to provide residents with everything they need to relax and unwind, this expansive 390-unit complex offers spa-like amenities at every turn.
AMLI RiNo boasts numerous luxuriously adorned indoor and outdoor communal areas, a resort-style pool and a rooftop deck. Beyond that, this complex backs right up to the South Platte River Trail. This beautiful treelined trail has water views and is the perfect place to clear your head or do some breathwork in peace.
Source: Rent. / Sentral Union Station
The lobby area just off the expansive fitness center at Sentral Union Station is one of the best-designed and most spacious apartment common areas in existence. With an aesthetic that’s part Apple Store, part WeWork and part serene escape, this is the perfect place to crack open a book or spark up a conversation. Either way, the stress of the day will never find you here.
Just blocks away from Coors Field, this complex benefits from being in the middle of it all. With all the hustle and bustle going on outside, Sentral Union Station does a great job of separating itself from the buzz of the outside world and provides residents with a safe haven to relax and recharge.
Decompress from your home in Denver
It doesn’t matter if your favorite form of relaxation is hopping in the pool, sitting around the fire, cracking open a good book or anything in between, the apartments on this list offer the most comprehensive spa-style amenities in Denver. Find the one that fits your lifestyle best and fill out your application today.
Featured image source: Rent. / Steele Creek Apartments
For many apartment or urban dwellers, living near a green space is a non-negotiable. When people don’t have yards of their own, they often want to be near a community garden or park to help fill that need. Many cities are now building and maintaining community gardens that also frequently help feed underserved neighborhoods.
Here are 5 reasons to get involved with a community garden near you:
1) Fresh food for you (& neighbors!)
When you plant a community garden, you’re working together to plant all kinds of things. In your area’s garden season, many vegetable plants will produce bountiful results, fresh food to eat at home or share with others in the community or surrounding neighborhoods. If your bounty is extremely large, you could make a bulk donation to a local food pantry or similar organization on behalf of your community garden.
2) Chances to socialize with neighbors
Since community gardens are about sharing the work and rewards of a garden, they foster communication between neighbors. Many garden organizations hold events to discuss working and investing in the garden and some even collaborate with farmer’s markets to sell plants and vegetables.
3) Great activity for kids
Kids are likely a part of your community. A garden is a great chance for them to hone their work ethic and sense of responsibility, while enjoying the rewards of a job well done and the joy of sharing.with those less fortunate. Kids love getting their hands dirty with planting seeds and picking vegetables.
4) Beautifies your neighborhood
Community gardens can help with the visual appearance of your neighborhood, turning a forlorn lot into a happy green space and a point of pride. Community gardens positively reflect the people and homes in your neighborhood. They automatically convey a sense of community and collaboration while creating something fun to keep an eye on.
5) Can attract affluent neighbors
Areas with community gardens often attract residents in a higher income bracket. Whether they’re empty nesters or young professionals, garden fans are looking for ways to stay healthy and be a part of their communities. A bonus: If nearby residents are in a higher income bracket, they’ll have more disposable income to contribute to maintaining a community garden.
There are many benefits of living near and being a part of a community garden. Whether you’re looking for a chance to be a part of a community organization or trying to learn how to garden, apartments and homes near community gardens are sure to give you plenty of opportunities.
There’s no shortage of great-looking apartments in the Tampa area, so make sure you find one that meets all your wishlist parameters and has a great view. Consider features like the pool and the clubhouse when making your must-have amenity list but also think about what you’ll see when you look out your window every day.
To find an amenity-loaded place, with the best views in Tampa, keep your eyes peeled and start with this excellent list of options.
Source: Rent. / Olympus Harbour Island
Come for the pool and stay for the sunset and the view at Olympus Harbour Island. This amazing space is luxury living at its finest with a decadent pool beside a curved seating area encircling a fire pit. Look beyond the amenities though, and you see soaring palm trees and the beautiful Tampa sky.
Living in Southeast Tampa puts you in a great part of the city. It’s a highly walkable and bikeable area that’s close to the water. You’re near fantastic boutique shops and restaurants, as well as within reach of the city’s historic district. This neighborhood also hosts plenty of fun events and provides an active nightlife year-round.
Source: Rent. / MAA BayView
Imagine being in the pool and looking out onto the water. You’re enjoying one water spot while another beckons right beside you. This duality is all yours at MAA BayView, a community that’s all about its lakefront location. Not only can you swim beside it in one of three pools, but you can access boat lifts, boat slips and a kayak launch to get up close and personal with the serene, watery views.
Although it’s close to the University of South Florida, when you live in Northwest Tampa, you won’t feel like you’re in a college town. The benefit of this location is it attracts plenty of entertainment, shops and restaurants. There are also a lot of great bars.
Source: Rent. / The Pointe on Westshore
A great view doesn’t always have to look out, although The Pointe on Westshore has that too. On the outside, you get a wide view of decade-old trees and can even see down to the water, but when your private lanai faces into the interior, there are some sweet things to see too, namely the large pool. Surrounded by lounge chairs and two-seater day beds, seeing this amenity from your screened-in balcony constantly reminds you that you live somewhere great.
Offering up a panoramic view of Tampa Bay, this Southwest Tampa community is close to everything, even the airport. Having the water nearby is nice, but when it’s time to hit the town, there’s no shortage of activities no matter what you’re looking to do. Enjoy some of the city’s best shopping and dining along with a very active nightlife scene.
Source: Rent. / Deerpath on the Lake
The best way to enjoy the scenery at Deerpath on the Lake? Go for a walk. Yes, you can see the sparkling water from the pool and even from the tennis court, but the winding nature trail that parallels the water is a special on-site treat. Set between nicely manicured grass and tall trees, it’s an ideal way to grab a few moments of peace on an otherwise busy day.
Sitting on the shores of Boot Lake, this park-like community oozes tranquility without taking you far from shops, restaurants, schools and more. When it comes to the 39-acre lake, you’ll have no shortage of waterfront to explore; however, if you’re jonesing for more, Lake Carroll isn’t too far either.
Source: Rent. / The Park at Lake Magdalene
Another sweet spot on the water in Tampa, The Park at Lake Magdalene provides residents with a well-preserved hardwood deck right beside the water. You can commune with nature and enjoy the soft sounds of the trees and lake from a comfortable wicker chair, all without leaving home. The community has a variety of spaces that look out onto the lake as well as a walking path right alongside it.
With no shortage of outdoor amenities, living here is the perfect match for anyone who wants to enjoy the fresh air of Tampa a little ways out from the bustle of the city. There’s an outdoor fitness center, two dog parks, a pool, tennis courts and basketball courts. You won’t have a problem keeping busy and being around nature when you call this community home.
Source: Rent. / Arbour Ponds
This isn’t a bad view from your private balcony, right? At Arbour Ponds, you don’t even have to leave your apartment to enjoy a scenic view since the pond. Adding to the loveliness of this area are the great big trees, bushes and close-cropped grass. It’s a little oasis that’s all yours to enjoy.
Another Northwest Tampa community in contention for having the best view, the lush landscape and serene waterscape truly make this a peaceful retreat in the heart of the city. When you step away from this park-like setting though, you’re still close to great destinations for hanging out, shopping and eating.
Source: Rent. / Camden Bay
Being surrounded by a 1,000-acre nature pressure really puts the beauty of Tampa at your fingertips. That’s exactly what you get when you call Camden Bay home. You get views of the water, trees and the potential for some great bird watching. Living here is really like having an all-access pass to nature. Additionally, community docks make it easy to grab a canoe and go paddling or take out a bigger boat to explore as well. You may even encounter some friendly ducks while you’re on your way.
Getting direct channel access to Tampa Bay, from this Town N County Alliance community, you can easily get your fill of boating and fishing. Nearby, you’ve also got popular, white-sand beaches, which are perfect for hanging out when you’re not on the water.
Source: Rent. / The Oasis at Highwoods Preserve
The cabana beds may be facing the pool at The Oasis at Highwoods Preserve, but the real view is directly behind them. You can just make out the flowing water below the rows of skinny palm trees with lush vegetation directly behind. It’s like having a luxury pool in a Florida forest. Sounds pretty good, right?
Made up of 12 villages, there is so much to see when you call any community in West Meadows home. From shopping to dining, and everything in between, you’re set. This area gives off great suburban vibes for those who want to live a little outside the city without losing access to Tampa.
Source: Rent. / Mezzo of Tampa Palms
There’s plenty of natural beauty surrounding Mezzo of Tampa Palms. Walking around, you’ll see cypress trees in full bloom among other greenery and serene ponds. If you want to enjoy all that nature has to offer, head to the comfy chairs and couches in the common lanai. Here you’ll find a covered space to keep the Texas sun from scorching you and ceiling fans to ensure you stay cool while you take in the view.
For the outdoorsy type, New Tampa is a great place to call home. This area is known for its golf courses and the hiking trails along the Hillsborough Wilderness Preserve.
Source: Rent. / The Falls at New Tampa
There’s almost too much perfect landscaping at The Falls at New Tampa. The view around this lush community puts beautiful tropical trees and plants in your way wherever you look. From the dense spots of tree coverage to the beautiful bridges and mini-falls, this place is truly breathtaking.
Screened patios connected to individual units make it easy to access the natural beauty surrounding this Tampa community. You can also take in the sights from the resort-style pool and jacuzzi, sand volleyball court or tennis courts.
Take in the best views in Tampa
While there are plenty of positives to living just about anywhere in Tampa, you always want to try and find a place that meets all of your specific needs. As you check those amenities off of your list though, don’t forget to look at the view. Having a good view means getting a little piece of everything Tampa has to offer every time you look outside.
Featured Image Source: Rent. / Deerpath on the Lake
When it comes to moving, remember: you DO still get some important snail mail, even if most of your communications are digital. Adding an address change to your long to-do doesn’t have to be frustrating. Rest assured, it’s pretty simple. Here’s how it works, and who needs to know you’re moving.
Start at the Post Office
The Post Office (USPS) is always the first place to to go when your address changes. They can also walk you through how to change your address. The first step is forwarding your mail. This is an easy-to-fill-out form and can also be done online. All mail addressed to to you will be re-directed to your new address for a fixed amount of time (typically a few months).
You still need to let other important people and organizations know of your address change, though, since your mail forward is only temporary.
Utility Companies
This one can be easy to forget, especially during the hustle and bustle of your move. However, it’s important to let utility companies know you are moving. They will need to send you a final bill or change your account information.
Related Video: How to Transfer Your Utilities
Department of Motor Vehicles
If you just moved across town, you don’t have make a special trip down to the DMV. You can change your address online once the dust settles from your move. You typically have between 30-60 days (depending on your state) to let the DMV know of your address change. You don’t want to be late on this, so you are not subject to fines.
Your Bank, Broker & Credit Cards
When you have to make a withdrawal, the bank will want to see your ID. If your address doesn’t match their records, it may be more difficult for you to access your funds. Checks are not nearly as popular as they once were, but if you use them, those need to be updated too. Use the 800 number on the back of your credit cards and call to report your address change. They’ll mail you a confirmation of the change.
Be sure to tell your investment broker you’ve moved, especially if your monthly statements are mailed to you. This is sensitive information.
Your Employer
Even if your paychecks are direct deposit, your work still needs to know your new address. When tax season rolls around, most employers mail out tax forms. If you have a 401K or employer stock options, that information gets mailed too.
Your Doctors
Even if you haven’t been to the doctor in long time, this one still makes the list. Sometimes it can take a long time to process billing (it can be over a year). You want to make sure you are up-to-date on all medical bills. Don’t put a black mark on your credit just because you moved.
Your Insurance Companies
This is especially important for your renters insurance. If you don’t let your insurance company know you have moved, your items may not be insured at your new home. One quick call to your agent, and your belongings are safe and sound.
Subscriptions
Do you get any magazines, retail products, prescriptions or food shipped to you on a regular basis? These companies will need to be alerted that you’ve moved.
Tax Collectors
If you own any real estate or other real taxable property, don’t forget to let the tax collector know where to find you. Tax bills are generally sent out each November, with monthly reminders coming for a few months after that.
See Also: How to Give Notice to your Apartment
Moving can be stressful, but changing your address doesn’t have to be. Many of these items can be easily done before the packing begins. If you forget someone, you mail will be forwarded for quite some time. This will give you the chance to inform everyone of your new residence. You’ve done the hardest part, you moved your home. Changing your address is the easy.
Stone walls, crocodile-filled moats, Rottweilers — our ancestors found some pretty creative home security solutions!
Today’s home security systems feature a more tech-savvy approach, but the goal remains the same: to keep your family, your property, and your stuff safe from outsiders.
Recent innovations have fueled a new surge in home security sales.
As you shop around and compare systems, consider your home’s security challenges, your lifestyle, and your budget.
Chances are good you’ll find the system you need, whether you’re a new homeowner or just new to the home security market.
How Security Systems Have Changed Over Time and Recently
Believe it or not, tech-driven security systems have been around nearly two centuries. Augustus Russell Pope of Boston combined electricity, magnets, and a bell to create a burglar alarm in the 1850s.
Marketing the invention proved difficult, though, because people feared electricity as much as they feared intruders. As the decades passed, the world caught up with Pope’s idea.
By the early 20th century, electricity had grown safer and more common. The burglar alarm started to catch on.
By the 1970s, home security systems featured motion sensors. Off-site monitoring caught on in the 1980s.
Prices started to fall in the 1990s, making systems accessible for more homeowners. Now the internet has changed the industry again.
For a few hundred dollars in hardware and installation fees — or perhaps less if you install the system yourself — you can monitor your own home from your smartphone from work, school, your commute, or even while on vacation.
These new systems have drawbacks, too, so before you jump in, make sure you’re getting the security your family needs.
Monitored Vs Unmonitored Security Systems
This has become the first question to ask when shopping for home security: Should you pay more for a system with professional monitoring included?
For decades, monitoring fees prevented a lot of homeowners from getting a home security system.
Even the lowest fees can become cost-prohibitive when you pay them month after month and year after year for the indefinite future.
For those homeowners, unmonitored systems may offer the only way into the home security market. If you have a choice, though, give this question some thought.
Monitored systems come with some advantages you may like.
Advantages of Professionally Monitored Systems
Just like with cars, computers, and houses, you get what you pay for with a home security system.
A monitored system costs more, but consider these advantages:
More seamless responses: With an unmonitored system, it would be up to you to contact fire or law enforcement officials when you get an alert about an intruder. When you’re out of town, calling 911 probably won’t work as quickly since you’d have to be transferred between areas of jurisdiction. Someone monitoring your home should be able to contact officials more quickly.
Someone else deals with false alarms: When you’re at work or out shopping and you get a security alert from your unmonitored security system, it’s up to you to assess the risk. If the FedEx guy triggered the alarm by delivering this month’s dog food, you’d feel relieved. But when something like this happens several times a day, it starts to get distracting. A monitored system can take care of these distractions, saving your attention for when it really matters.
Equipment may be included: Customers who buy an unmonitored system tend to be responsible for maintaining and upgrading their own security equipment. A monitored system would more likely include the equipment and, naturally, its maintenance and upgrades. In a fast-changing industry, your gear can get outdated pretty quickly.
Protection isn’t dependent on cell service: Most of us always know where our phones are. But what happens when you’re in an area with poor service or when you lose your phone on the Slinky Dog ride at Disney’s Hollywood Studios? (I’m not judging!) You may not have access to your at-home security system alerts when most needed. A monitored service can contact authorities to protect your home even when you aren’t in the loop.
Advantages of Unmonitored Systems
Unmonitored, also known as self-monitored, home security systems have become the fastest growing segment of the market for a reason. Advantages include:
The cost, of course: Since you could use a self-monitored home security system without paying monthly fees, you can save a lot month to month and year to year. Even if you pay a professional to install the system’s panel or cameras, you can still avoid that monthly bill.
A perfect fit if you’re renting: The home security market has traditionally ignored renters since they don’t have the authority to install hardware or enter a long-term contract. An unmonitored system offers exactly what a renter needs: flexible service with no long-term commitment.
Having more control: When you’re making all the decisions about whether to call for help or whether it’s a false alarm, you’re automatically controlling the response level. Since you know better than anyone what’s normal at your home, this can prevent some confusion. For example, the monitoring service may not know your brother has a spare key but does not know the alarm code. Since you know this, you can automatically filter out the police response as a viable option (unless you really have it in for your brother).
Integrating additional home systems: Some of the best self-monitored systems are an extension of WiFi-enabled home automation. Along with feeling more secure, you can also lock or unlock doors, change your thermostat, turn certain lights on or off, and even control the garden sprinklers (and lawn mowers!), all from an app. (Traditional monitored services have started adding these features, too.)
Can You Get the Best of Both Worlds?
Wouldn’t it be nice if you could combine the best aspects of professionally monitored and self-monitored systems?
Well, the industry has been moving in that direction.
Here’s why: The rapid growth of self-monitored home security systems has grabbed the attention of the traditional home security companies.
The leading monitored services are compensating by adding modern conveniences such as app-based customer control and, in some cases, acquiring smaller, self-monitored home security companies.
And it’s not a one-way street: Some self-monitored services have added the option to have your home professionally monitored, but with a twist. You can get add-on monitoring for a fee only when you need it. That way you could still avoid the contracts and flat monthly fees.
As the market continues to evolve, I’d expect to see less separation between these two categories.
But full-time monitoring will continue to be a separator. It simply costs more money to have someone monitoring your home and responding to problems all day every day.
And in many cases, professional monitoring equals a more secure home.
Should You Buy a Monitored or Unmonitored Security System?
This gradual merging of monitored and unmonitored home security features could, ironically, make it harder to decide what kind of service to buy.
If you like the control an unmonitored system offers, you don’t necessarily have to opt for an unmonitored system anymore. You can find a monitored system with similar capabilities.
Or, if you want a monitored system because you’re out of town a lot, you no longer have to choose from only traditional security service providers. You may be able to find an unmonitored service with added-on monitoring periods without a contract.
If you can’t decide for sure, take a look at your home, your lifestyle, and your personal preferences. They can tell you a lot about your needs.
What Type of Home Do You Have?
The kind of home you’re protecting should help drive the kind of protection you buy.
Makes sense, right?
Well, it’s easy to forget such obvious things once you start comparing features, prices, contracts, apps, and customer reviews.
Take a look around your home. If you have two full floors full of windows and doors, along with a garage door and windows to consider, you’ll need a lot of equipment installed and maintained.
You’ll also have a lot more sensors to trigger false alarms. A monitored system could be worth the cost.
On the flip side, if you live in a 2-room apartment with just a few windows and only two doors, your up-front equipment investment will be less, and you’ll have fewer trigger points to keep an eye on as you monitor things while away. A self-monitored system could do the job.
How Connected Are You?
If a home security system sends an alert to your smartphone but no one is around to hear it, does it make a sound? We could debate that question for hours, and if your phone happens to be off, someone could be stealing your stuff as we contemplate.
With an unmonitored system, you’re on call around the clock via your smartphone. If you’re the kind of person who likes to unplug after work or while on vacation, you may want to lean toward a monitored security system.
If, however, you and your phone are inseparable — if you sleep with the phone beside you on the pillow — you’re likely set up well to monitor security alerts.
That said, I’d suggest using a different ringtone for home security alerts. You wouldn’t want to ignore a serious problem thinking it was just a reminder to pick up your sister’s cat from the vet tomorrow.
How Connected Is Your Home?
Most of us have WiFi at home now. Most does not mean all, though.
People without WiFi at home will have a hard time using all the features of a self-monitored home security system.
In that case, a landline-based, traditional system would be a better option.
If you have WiFi, the quality of your surveillance will depend a lot on the quality of your Internet connection.
As more devices and appliances get online — thermostats, washing machines, tablets, phones, TVs, refrigerators, lawn mowers — there’s more demand on your network. For many of us, a DSL connection just doesn’t cut it anymore.
If you have a gigabit-per-second coming across fiber into your home, your unmonitored security features should work just fine.
How Busy Are You?
A lot of us can add tasks to our regular schedules without a lot of stress. People in the gig economy or with a couple side hustles may have just the kind of schedule flexibility they need to assess threats from their smartphones.
Sure, you may have to re-arrange a few things or tell a client to hold on a second while you check the alert on your phone, but it’s still possible. People who teach school, run meetings, perform surgery, or preside over class-action lawsuits may not have time to check their phones every couple of hours.
Just like any other commitment you take on, consider the time demands of an unmonitored security system.
I’ve been in more than one meeting where someone had to check on a security alert. (Usually, something like leaves blowing onto the porch or a delivery from Amazon triggered the alert.)
Do You Own Your Home?
I referred to this earlier, but it bears repeating. Traditional home security firms more or less ignored renters for years since they didn’t have permission to install a system anyway.
With no wires to run behind walls, a tenant can usually install an unmonitored system without changing the property.
Mounting a camera in the corner is hardly different from hanging a picture, and it’s a whole lot simpler than installing a wall-mounted TV.
Plus, when you move on to a new home in a new city, you could take a lot of the system’s components with you to use at the new rental house. Of course, check your lease agreement to make sure you have permission to make the changes an unmonitored system would require.
And, by the way, if you’re a renter who would like a traditional monitored system, ask your landlord about it. He or she may be fine with the idea, especially since a system could reduce your landlord’s homeowners insurance rates.
Best Security System Providers For 2023
We’ve chewed on a lot of theoretical stuff, so let’s get into what really matters. How do systems compare to each other, and which one should you get?
A year or so ago I would have made two best security system lists: One for monitored security systems and one for self-monitored systems.
The features of these systems have blended so much I think one list will better serve shoppers. I’ll be sure to indicate whether you would need a contract to use each service.
While convenient features are important and worth weighing into the equation, the quality of the system itself still matters most.
So I’ll be giving the quality of your home security system first priority in these comparisons while giving conveniences and customer flexibility a little less importance.
Frontpoint
Contract required: Yes Professional monitoring: Yes Length of contract: At least one year
Remember earlier when I suggested the future of home security will likely blend the features of monitored and unmonitored systems?
I had Frontpoint in mind when I said that.
This company has led this confluence of features, offering professional monitoring plus the conveniences do-it-yourself systems introduced.
Yes, Frontpoint requires a contract and you’ll be paying for 24/7 professional monitoring. But you’ll also have a user-friendly app that can control your locks, lights, and thermostat.
With Frontpoint, you install the equipment yourself since it’s wireless, lightweight, and easy to position with included adhesive strips.
Essentially, Frontpoint offers the best features of monitored and unmonitored services in one package: professional monitoring, quality equipment, convenient features, and a do-it-yourself approach.
That’s why I’ve listed Frontpoint first.
I also like the 30-day, risk-free guarantee. If you’re unhappy with the service, Frontpoint won’t bill you and you can return all the hardware. You won’t be on the hook for the rest of the contract.
I also like the one-year contract. Most companies require a three-year commitment.
Frontpoint offers three price points. If you’d like to access recorded video surveillance from your property, you’ll need to go with the most expensive plan.
Best for: A homeowner who wants mobile control, full-time professional monitoring, and more contract flexibility than usual. Avoid if: You don’t want to enter at least a one-year contract.
ADT Pulse
Contract required: Yes Professional monitoring: Yes Length of contract: At least three years
ADT, a leader in home security for almost 150 years, has also started offering the conveniences of unmonitored security in its ADT Pulse system.
Like Frontpoint, ADT Pulse still bases its services on contracts, but it has bulked up its app to give customers more control over their security equipment. In fact, you can probably incorporate your own cameras and sensors into ADT’s system since it supports many third-party hardware brands.
Unlike Frontpoint, ADT Pulse includes professional installation (and a corresponding $99 set-up fee). The result is another best-of-both-worlds approach for the customer who is willing to enter into a contract.
In ADT’s case, the contract will last at least three years, and you’d be billed a hefty termination fee to get out of it.
ADT will let you out of the contract if you’re not happy with the service, but it’s not a no-questions-asked policy. ADT will try to resolve your issues, which is a good thing if home security is your priority.
Best for: A homeowner who wants a time-tested, trustworthy home security partner with professional installation plus modern mobile-based control. Avoid if: You’re not sure about entering a long-term contract.
ProtectAmerica
Contract required: Yes Professional monitoring: Yes Length of contract: At least three years
By now you’re sensing a trend: Traditional, contract-based home security companies that have adopted modern conveniences are dominating the top of this list.
And for good reason: Ultimately, a home security system should provide the best home security for you and your family, and professional monitoring tends to offer more security.
ProtectAmerica makes this list for those reasons and because of its flexible pricing options. The company has five price points.
I’d stay away from the company’s less expensive, landline-based options. They do not offer the control and integration you’d get from Frontpoint or ADT Pulse (unless you want a traditional, landline-based system).
ProtectAmerica’s broadband and cellular-based options deliver a lot. You can even integrate the system with your Amazon Alexa or Google Home smart device for voice control.
And when an alarm goes off, you can also get a voice prompt from the system telling you which sensor or camera triggered the alarm. When you’re half asleep, this simplicity can pay off! There’s also a panic button which will automatically call for help.
Best for: A homeowner or renter who wants the conveniences of tech-based security with fewer potential complications. Avoid if: You’re shy about a three-year contract.
Vivint Home Security
Contract required: No, unless you’re financing equipment Professional monitoring: Yes Length of contract: At least 42 months (but only when financing equipment)
If you’ve been looking for a no-contract home security solution that still delivers professional results, consider Vivint Home Security. Vivint offers monitoring for a monthly fee, but it doesn’t require its customers to commit to more than one month at a time.
However, if you cancel your account while you still owe money on your equipment, Vivint will bill you for the balance. So even though you wouldn’t have an official contract, you’d still be compelled to keep the service or pay a lump sum to end your connection to the company.
It’s not exactly a no-strings-attached situation, but customers do have more control month to month, especially if they pay up front for the equipment.
Vivint makes this list because of this potential flexibility and because of the flexibility of the company’s equipment.
You can essentially build your own home security and home automation package the way you want. Rather than choosing from a package, you can combine different kinds of surveillance equipment including outdoor monitoring, and different safety features such as smart lighting and thermostat control.
You can manage your system through a Google or Amazon smart speaker or you can use a more customized control panel.
Best for: A homeowner who wants to customize a security solution. Avoid if: You don’t want to pay up front for equipment. If you don’t pay up front, you’ll have a de facto contract.
Link Interactive
Contract required: No, unless you’re financing equipment Professional monitoring: Yes (by a third party monitoring center) Length of contract: N/A unless financing equipment
Link Interactive rounds out my top 5 because, once again, it blends traditional and unmonitored features to give customers the best of both worlds. Link Interactive stands out because it has embraced broadband and cellular networks more thorough than most other providers.
As a result, you can talk with a professional monitor through your control panel at home during an emergency. Sometimes just knowing what’s going on and finding out easily when help will arrive can alleviate stress.
But you should know that Link Interactive uses a third party, which doesn’t always equal a loss in quality, but it does mean the company has less control over the monitoring process.
Still, lots of Link Interactive customers have been satisfied with their service according to TrustPilot and Better Business Bureau reports, which tend to lean toward the negative for security systems.
Link Interactive lets you pay month to month instead of committing to one to three years. However, as with Vivint, if you owe money on your home security equipment, you’d have to pay the balance if you canceled service.
So unless you pay up front for the equipment or pay the balance down enough to make more affordable, you’d likely be sticking with the service for a while.
Essentially, it’s a contract by another name. Link Interactive does stand by its 30-day grace period. If you change your mind or don’t like the service, you can cancel without obligations.
Security matters most, and even though I’ve listed a couple concerns, Link Interactive has the experience (about 70 years’ worth) and the equipment to serve its customers well.
Best for: A homeowner who wants a reliable partner with the best modern conveniences. Avoid if: You don’t plan to stick with the company for at least until you’ve paid off the equipment.
Best Self-Monitored Home Security Services For 2023
I know — I listed my five top choices for home security, and not a single one offers a completely self-monitored system.
I alluded to the reason earlier but here it is again: Professionally monitored systems simply provide better security across the board, and we’re looking for the best home security systems.
In most cases, security tends to be better because you have a staff of monitors at the ready to respond to a crisis at your home.
Most, of course, doesn’t mean all. You may have just the right work-life balance to handle a self-monitored system. Or you might just prefer to self-monitor your home security, either to save money or because you like the control.
If so, you have a lot of choices.
Let’s take a look at a few of my favorites.
Ring Alarm
You’ve probably seen this one on TV. It looks simple, efficient, and affordable.
Overall, it lives up. For only $200 or so up front, you can get a pretty solid set-up and install it yourself. Pricier packages offer more components for larger homes.
You can opt for professional monitoring (for $10 a month or $100 a year) or for self-monitoring, which is free. Ring connects to Z-wave, which means you can incorporate a wide variety of home management and security equipment.
Amazon owns and sells Ring systems, so if you’re a frequent Amazon shopper you’ll know pretty much what to expect.
Best for: A low-cost but useful alternative with professional monitoring available.
Honeywell Smart Home Security
Honeywell, whose name you may have seen on thermostats somewhere along the line, has expanded its business into smart home connectivity, including home security.
You’ll pay more, over $1,000 most likely, to get your system going, but after that, you can do a lot, including arming and disarming the system with a key fob and even integrating facial recognition.
Honeywell’s system works seamlessly with Amazon Alexa, and the system should soon also offer Google Assistant and Apple HomeKit integration.
Honeywell also syncs with Z-wave, which means you can use all sorts of wireless equipment to manage and monitor your home.
Best for: A do-it-yourself alternative that still has top-notch gear and accessibility specializing in self-monitoring.
SimpliSafe
SimpliSafe has grown in name recognition and market share. The company offers a lot of options. About 16 to be precise. They all vary slightly in the number of components and price.
Set-up fees range from about $290 to about $550 depending on how much equipment your home needs. The equipment is easy to install and use. You can go without professional monitoring and keep using the security equipment.
It tends to be harder to incorporate third-party equipment, though. So if you get SimpliSafe don’t assume you can use existing gear from previous systems.
Best for: An all-in-one system for homeowners new to security systems.
Nest Secure
If you use Google products — Google Assistant and the Android operating system, for example — Nest Secure could offer a sensible extension for your home automation and security needs.
Naturally, the service integrates nicely with Google Assistant and your Android phone or tablet. You can spend up to $500 or so getting the equipment set-up.
You can add professional monitoring on a contract or month-to-month basis.
Best for: Customers who already use Nest home automation products. Nest is part of Alphabet, Google’s parent company.
Going Cheap? Create Your Own System And Go Full DIY!
Even though the home security market has changed a lot with the success of self-monitoring systems, customers still have two basic choices:
Enter a contract of some sort to get professional monitoring and pay less up front.
Buy a do-it-yourself system, spending $300 to $1,500 up front, and have the freedom to self-monitor and avoid the contract.
Some customers wonder why they can’t just buy some cameras and door sensors and connect the gear to their smartphone. That may be possible, and if that’s your thing, you could save compared to buying a pre-packaged deal.
But, for the majority of consumers, I do not recommend this approach for a few reasons:
It depends upon your ability to connect and maintain the equipment.
You couldn’t add professional monitoring if you wanted to.
It’s more difficult to self-monitor without an app to centralize the camera feeds and sensor data.
Regional Security Firms May Offer a Lot
I tried to limit this post to companies offering nationwide service. Some regional companies offer great equipment and great service, too.
If you’re considering a regional firm in your area, make sure to check on the following issues:
Who monitors the company’s security systems? Is it local or third party? If third party, try to find out response times for the monitoring service.
Are you as the customer responsible for maintaining the equipment or will the company keep it up to date? If you’re responsible, work that into what you’ll be paying.
Does the system’s control panel have a battery backup during loss of electricity? What about backup for the WiFi connection? If not, the system could leave you vulnerable.
If you have the ability to self-monitor, can you integrate components you already own via Z-wave or another similar service?
What do local law enforcement officials think about the firm? Cops know a lot about home security. They may know the value of a local or regional home security outfit.
Need Proof of Results? Ask Your Insurance Agent
Our homes are personal. Having a stranger violate, steal, or destroy our homes, our property feels like a personal attack even if we’re not home and deal only with the aftermath.
People who have experienced that feeling know it can change the way you look at the world for a while.
It makes sense for homeowners (and renters) to seek some kind of protection against this danger. No system can guarantee your safety and the safety of your family.
But home security systems do get results. For proof, just ask your homeowners insurance company.
Many insurers will give you a discount on your home insurance premiums if you have a professionally monitored home security system. Insurers give this discount because they know a quality home security service will likely reduce the likelihood of a personal property insurance claim.
As you compare systems, consider what kind of security you need and whether what you’re buying fits your home.
Security is personal. It’s up to you to make sure you’re getting a system to match your life.