One Instagram user shared a game-changer for seasonal decor: Instead of lugging out decorations for each season or holiday, just swap the photos in the frames around your house to match the time of year.
The scoop
Emma Shay’s Instagram page (@byemmashay) is dedicated to home decor, and her simple hack makes seasonal decorations possible for even tight budgets.
She suggests utilizing the picture frames around your house and changing out the photos in them to match the season or upcoming holidays.
You can make it even more convenient by storing the photos behind one another in the frames, so you don’t have to do any sorting or organizing when you change out the photos — simply take off the backing, choose the season-appropriate photo, and close it back up!
It’s also a very cost-effective hack — Shay mentions that you can get a 16×20-inch print at CVS for just $20, and there are plenty of wallet-friendly ways to find the photos, too. Shay finds a lot of her art for free in museum public domains, but you can also use your own photos, magazine clippings, or whatever speaks to you.
You can always go thrifting to find inexpensive art as well — you may even find a deal on high-value items.
“In a world where consumerism is rampant, I give you one of the least expensive, most space-saving ways to decorate seasonally,” Shay explains in her video.
How it’s helping
Decorating for each season can get expensive easily, but this hack is budget-friendly and allows you to personalize your decorations, so you can include photos of family, friends, and pets, too!
Plus, because of its cost-effective nature, it’s not a big deal if you decide to change things up every few years. “Even if my style changes, it’s not that expensive to make a high-impact change like this,” Shay explains.
If your style changes, the photos will be easy to dispose of, too. They’re easy to sell, give away, or recycle, because storing them in the frame will keep them in good condition — unlike bulky decorations that have to be moved in and out of storage every year.
Those bulkier decorations that are found at home stores can be irresistibly cute, but they take up extra room in the house and are difficult to recycle due to the blend of materials they’re often made of.
This isn’t to say that you can’t buy those fun decorations, but Shay’s hack will make your house look festive regardless of what else you decorate with — and her way is a lot cheaper.
What everyone’s saying
As it turns out, this is a popular hack among some of Shay’s followers — and they were happy to vouch for it in the comments.
“I’ve been doing this for years with family photos, mostly 5×7’s. It’s a super simple way to change things up, that’s for sure!” said one user, and another wrote, “Yes! My favorite budget friendly tip!”
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Austin is an ever-growing, popular city that attracts renters from all over the country. These are the best apartments in Austin offering renters a place to suit their needs — whether you are looking for access to nature, city suites or anything in between.
Check out the best apartments in Austin from our handy list below.
Photo source: Agave Falls Apartments / Rent.
Quaint exteriors and colorful interiors typify the Agave Falls Apartments. The one- and two-bedroom units have an optional decorative backsplash and under-market rents in East Austin. The community has two pools, high-speed internet access and a playground. Oh, and of course, there is a pet park, too.
Agave Falls even helps residents with their finances thanks to their innovative credit-building program.
Photo source: Oak Crest / Rent.
Oak Crest offers a unique alternative to classic apartment living. The three- and four-bedroom detached units each have their own yards, no shared walls and private decks and patios.
The community includes luxurious landscaping, extra storage and a washer and dryer in every unit. Pets and children can play thanks to the yard space, playground and swimming pool.
Photo source: Creekside on Parmer Lane / Rent.
Creekside on Parmer Lane has one-, two- and three-bedroom units in far Northeast Austin. The brand new, resort-inspired community has electric vehicle charging stations, curtained cabanas, USB port wall outlets and washers and dryers in every unit.
Additionally, amenities include kitchen islands/bars, a fire pit conversation area, a climate-controlled pet spa and quartz countertops.
Photo source: Avanti Hills / Rent.
In the gorgeous and hilly Bee Cave community, Avanti Hills has one- and two-bedroom floorplans stacked with amenities. Like most Austin complexes, the apartment includes two pools, a Zen garden, a billiards table and business and conference centers.
With each unit, residents benefit from a private parking garage, ceiling fans in each room, island kitchens and granite countertops.
Photo source: Bridge at Asher / Rent.
The Bridge at Asher has one-, two- and three-bedroom units with vaulted ceilings, fireplaces, oversized closets and garden tubs. Units include a carport and access to a pet park, fitness center, business center and swimming pool.
Residents can also take in hill country views from their large patios or balconies.
Photo source: The Catherine/Rent.
Located in the heart of Austin with spectacular city views, the Catherine has one-, two- and three-bedroom units. The luxury apartments offer a wide variety of floor plans with vaulted ceilings, oversized closets, extra-large balconies and hardwood floors.
Residents benefit from controlled building access, a large fitness center and full concierge service.
Photo source: The Park at Wells Branch / Rent.
Stay connected in multiple ways with The Park at Wells Branch’s fiber internet and public transportation access. This green community also has a pet park, hiking, biking and jogging trails and picnic areas with grills.
Inside the one- and two-bedroom units, residents will find spacious closets, hardwood floors and a fireplace. Other amenities include basketball courts, a media center, a hot tub, a fitness center and a swimming pool.
Photo source: Eagles Landing / Rent.
Spacious one-, two- and three-bedroom floor plans leave room for the whole family at Eagles Landing. This income-restricted community also offers a free after-school program and free summer camp.
Eagles Landing accepts vouchers and provides special cable rates and packages. They offer all of this on top of under-market rent prices.
Photo source: 620 Canyon Creek / Rent.
Families with children will love 620 Canyon Creek thanks to the excellent surrounding schools in Leander Independent School District and the easy access to Lake Travis. Canyon Creek is a green community with a recreation center, fitness center, swimming pool, hot tub and tennis courts.
The one-, two-, three- and four-bedroom units also have several luxury upgrades available, including customized mantels, direct access garages, Italian marble entryways, wood-burning fireplaces and jetted Roman tubs.
Photo source: Axis West Campus / Rent.
Less than a mile from the University of Texas’s most popular hangout, The Drag, Axis West Campus provides one-, two-, three- and four-bedroom apartments at an affordable price.
Residents have access to tanning beds, a media and gaming area, a Starbucks machine and an outdoor fire pit and entertaining area. The community also provides independent living units and disability accessibility too.
Photo source: Anthem at Ledge Stone / Rent.
Conveniently situated with access to the city but also in spacious Central Texas hill country, Anthem at Ledge Stone offers rustic style meets luxury living. This community has electric vehicle charging stations, a pet spa, a resort pool with private cabanas, a fire pit and social grills.
Inside the one-, two- and three-bedroom units, residents enjoy renovated interiors, island kitchens, stainless steel appliances, dimmable pendant lighting and vaulted ceilings in select units. All in all, it’s got everything you could need.
Photo source: West Gate Ridge Apartments / Rent.
Classically appealing with well-below average rent, West Gate Ridge provides standard amenities in Southwest Austin. The pet-friendly one- and two-bedroom units include disability access and spacious interiors.
All units have a private balcony or patio and washer/dryer connections. Residents also enjoy a playground, fitness center, swimming pool and business center.
Photo source: Collective on Riverside / Rent.
The Collective on Riverside is an excellent option for students. These one-, two-, three- and four-bedroom apartments have fully furnished options.
Students can also easily commute to school using public transportation or the university shuttle service that stops on-site. When not studying or working, Collective residents enjoy access to a variety of athletic facilities and bocce, shuffleboard and billiards.
Photo source: Southpark Crossing / Facebook
Live in style at Southpark Crossing. The one- and two-bedroom apartments feature nine- to 11-foot ceilings, crown molding, island kitchens and granite counters in the kitchen and bathrooms. Residents also benefit from extra storage in full-size pantries, oversized closets and balcony storage.
Enjoy the additional uncommon apartment luxuries of Nest Wi-Fi thermostats and an on-site movie theater with reclining seats.
Photo source: River Ranch / Rent.
Growing families will fit right in at River Ranch in Northeast Austin. The apartments also boast a community playground and splash pad. Fur babies can enjoy the dog park while parents will appreciate the fitness center.
Entertaining friends is also a breeze with the spacious clubhouse and community center that includes a fully-equipped kitchen.
Photo source: Bridge at Cameron / Rent.
The Bridge at Cameron is a brand-new community in Northeast Austin.
These one-, two- and three-bedroom, income-restricted apartments include programmable thermostats and extra storage. The smoke-free, green community also has an on-site technology center.
Residents can also enjoy the community room with a patio area, carpeted bedrooms and laundry facility.
Photo source: Hills at Leander / Rent.
The Hills at Leander offers private, quiet, comfortable living for seniors in Austin’s Cedar Park neighborhood. These income-restricted units enable independent living for seniors, including disability access, game rooms and group exercise.
Residents can also welcome visits from family and friends thanks to guest parking and an on-site picnic area with barbecues.
Photo source: Estates at Austin / Rent.
The Estates at Austin in Pleasant Valley is perfect for University of Texas students with five-, 10- and 12-month leases at half of the average city rent. This community also has a covered UT shuttle station that provides service directly to the university.
The one-, two-, three- and four-bedroom, disability-accessible units also include high-speed internet with included HBO. Students can work and play thanks to the 24-hour private study nooks and computer lab alongside basketball, tennis and sand volleyball courts.
Photo source: Scofield Park / Rent.
Offering luxury, affordable apartments in far North Austin, Scofield Park has all the amenities to keep residents connected and entertained. Residents can enjoy an internet cafe with a media center, an entertainment lounge and two 24-hour fitness centers. Even pups can stay busy with two on-site bark parks with agility courses.
This complex with one-, two- and three-bedroom apartments is also just minutes away from the Domain, a popular shopping center and local hot spot.
Photo source: Menchaca Commons/ Rent.
Spacious and affordable, Menchaca Commons has outdoor patios and a grilling area. Renters will also save money thanks to the energy-efficient appliances and LED lighting in every unit.
This green community also has Amazon package lockers and hardwood flooring on top of renovated interiors and ceiling fans in every room.
Photo source: Tintara at Canyon Creek / Rent.
Just minutes away from Lake Travis, Tintara at Canyon Creek has one-, two- and three-bedroom units. On top of affordable rent, Tintara offers hardwood floors, island kitchens and vaulted ceilings.
Renters also benefit from a private gated entry and the option to utilize a business conference center and boutique office space.
Photo source: Monterey Ranch / Rent.
Athletes of all types will feel at home in Monterey Ranch. In addition to a well-equipped fitness center and rec room, these apartments have a range of sports facilities, including a soccer field, basketball court, tennis courts, biking, hiking and running trails and five pools.
A selection of the studio, one-, two- and three-bedroom floorplans at Monterey Ranch are also ADA accessible.
Photo source: The Mansions at Onion Creek / Rent.
Enjoy all that South Austin has to offer from the Mansions at Onion Creek. These one-, two-, three- and four-bedroom units live up to their name, ranging from just over 700 to nearly 2,000 square feet.
Last but not least, the Mansions has an Olympic-sized infinity pool
Photo source: Barton Creek Villas / Rent.
Tucked into the hilly idyll of Barton Creek in West Austin, Barton Creek Villas has fantastic views thanks to its spacious open floor plans and oversized windows.
Outdoor enthusiasts will appreciate its bike and hiking trails while their pet companions will enjoy the on-site bark park with an agility course.
The community offers luxury one-, two- and three-bedroom units, plus a clubhouse with a coffee bar.
Photo source: Pioneer Hill / Rent.
Perfect for professionals that may work at the nearby companies in Northeast Austin, Pioneer Hill offers great prices and amenities for one-, two- and three-bedroom units — no wonder it’s one of the best apartments in Austin. Every apartment comes with a yard or a balcony and stylish modern interiors.
Residents also enjoy the option of full-size washer-dryer connections, extra storage and a community clubhouse.
The best apartments in Austin
Wherever you choose to live, Austin offers apartments that suit any lifestyle. Find apartments for rent in Austin today.
We looked at all available multifamily rental property inventory from January to June 2021 on Rent. to determine which properties with an Austin mailing address are most viewed by organic internet searches. The information included in this article is used for illustrative purposes only. The data contained herein does not constitute financial advice, availability or a pricing guarantee for any apartment.
When your pet faces a medical issue, your vet may prescribe a special diet to help manage the condition. While prescription pet food can be a critical part of your furry friend’s treatment plan, it can also come with a hefty price tag. If you’re wondering whether pet insurance covers the cost of prescription pet food, the answer is: It depends on the provider.
What is prescription food for pets?
Prescription diets are formulated to address specific health conditions in pets, ranging from allergies to kidney disease. Unlike regular pet food, these generally require a vet’s prescription, ensuring they’re fed to pets who genuinely need them.
Why might my pet need prescription food?
Your vet might recommend a prescription diet if your pet has conditions like:
Arthritis.
Food allergies.
Kidney issues.
Heart problems.
These diets cater to the pet’s unique nutritional needs and can help manage or treat their condition. They usually come with a higher price tag than standard pet food.
Does pet insurance cover prescription pet food?
Some pet insurance plans cover prescription food, but it’s important to read the fine print. Your policy might cover prescription diets under certain conditions or up to a specific limit.
Pet insurance company
Covers prescription food in standard plan?
Covers prescription food through add-on?
Sometimes.
Nationwide
Sometimes.
Sometimes.
AKC’s prescription food coverage
AKC won’t cover most pet food, but it makes an exception for prescription diets used as the sole treatment for a covered condition. So if your veterinarian prescribes a special diet to manage your pet’s condition, AKC will consider covering the cost.
Embrace’s prescription food coverage
Embrace generally doesn’t include prescription food coverage in its standard insurance plans. One exception may be if your vet prescribes a certain type of diet for hyperthyroidism in cats. But if you enroll in the optional Wellness Rewards program, you can get reimbursed for prescription diets purchased through your vet. The Wellness Rewards program also covers other routine expenses like wellness exam fees and vaccines.
Figo’s prescription food coverage
Figo offers optional “Powerups” that you can add to its standard accident and illness plan. One of them reimburses you for vet exam fees and will pay up to $250 per policy term for food prescribed as the sole treatment for a covered illness. So if your dog is diagnosed with an ailment that requires a special diet and your vet prescribes a therapeutic food as the only treatment, this rider can help offset the cost.
MetLife’s prescription food coverage
MetLife covers prescription pet food from a veterinary provider under its standard accident and illness plan in most states.
Nationwide’s prescription food coverage
Nationwide may cover prescription food under certain plans or with an extra rider. If it’s included, the food must be a therapeutic diet prescribed by a veterinarian to treat a covered medical condition. Your vet may need to provide Nationwide with details about the type of food, which condition it’s treating and how much you should feed your pet.
Pets Best’s prescription food coverage
Pets Best doesn’t cover prescription pet food or supplements.
Spot’s prescription food coverage
Spot’s core pet insurance plan includes coverage for prescription food and supplements when they’re prescribed by a licensed veterinarian to treat covered conditions. The policy reimburses actual costs for these prescription foods, up to the limits specified in your policy.
However, Spot doesn’t cover prescription food used for general maintenance or weight management, or any food you can buy without a vet’s prescription.
Trupanion’s prescription food coverage
Trupanion covers prescription pet foods for dogs and cats when they’re prescribed by a licensed veterinarian for the treatment of a covered illness or injury. This coverage reimburses 50% of the cost, minus any deductible. But the policy covers only the first two months of the prescribed diet. After that, you’ll pay the full cost out of pocket.
🤓Nerdy Tip
Pet insurance often excludes pre-existing conditions. So if your pet was already on a prescription diet before you bought your policy, it probably won’t be covered.
How does coverage for prescription food work?
First, check your policy details to make sure prescription food is covered and see what restrictions apply. To find this information, look in the fine print and read through your plan’s endorsements.
Typically, your vet must prescribe the food for a specific medical condition affecting your pet. It usually can’t be for general health or weight management.
If it’s covered, you’ll generally pay upfront for the food and then submit a claim to your insurance company. The insurer would reimburse you according to your plan’s terms.
For example, if your dog develops kidney disease, your veterinarian may prescribe a special low-protein diet. After buying the prescribed food, you’d submit the receipt and any other requested documentation to your insurer. Depending on your plan, you might be reimbursed for a percentage or up to a certain limit of the food’s cost. If you haven’t met your deductible, the insurer may subtract that amount from your claim payout.
Other ways to save on prescription food
Prescription pet food can be a game changer for pets with certain health issues. But if your policy doesn’t offer coverage, there are other ways to make these diets more affordable. Consider:
Buying in bulk or during sales.
Joining loyalty programs or subscribing to regular deliveries for discounts.
Exploring homemade diet options (with guidance from your vet).
You’ll find amenities galore and a wide range of communities and rent prices among the best apartments in Phoenix.
As one of the best places to live within Arizona, Phoenix has plenty to offer those on the hunt for a new home. You get a bevy of scenic views, cool amenities for those hot days and access to luxury. It’s no wonder people are looking to rent in neighborhoods across this desert city.
Whether selecting a home in a more high-end spot, gravitating toward downtown or settling into the suburbs, most of the 1.6 million inhabitants of Phoenix moved here from somewhere else. They started off their journey just like yours; each trying to find the best apartments in Phoenix to call home.
To make your search easier, here are 25 of the best apartments in Phoenix to consider.
Offering upscale living with plenty of opportunities for entertainment and relaxation, Fairways on Thunderbird has a great amenities package. In addition to a pool and spa, media center and business center, you’ve got a picnic area with barbecues to use. There’s even a clubhouse with billiards.
Close to freeways and shopping, this community offers studio, one-bedroom and two-bedroom apartments. Most floor plans also come in under the average rent price in Arizona.
One of the few green communities on best apartments in Phoenix list, North Mountain Village offers up a modern, urban feel. Along with the two playgrounds and three pool areas, you get access to a breakfast/coffee concierge when you live here.
With studio, one-bedroom and two-bedroom units, this quiet community is pet-friendly and within walking distance to shops and restaurants. There’s even a dog park nearby.
The lush greenery and a fun stucco aesthetic at Vaseo will catch the eye of just about anybody.
On-site, you’ll find basketball courts and tennis courts for the athlete. A movie theater is there for the pop-culture fan. Complimentary charging stations for eco-vehicles make things great for the environmentally conscious. The playground and pool are also open for a little rest and recreation.
A variety of floorplans make this a dynamic community. One-bedroom and two-bedroom units vary in price. But if you live here, expect to pay a little more than the average rent rate in Arizona.
Located in the urban village of Ahwatukee, Pacific Bay Club is close to shops, boutiques and restaurants. All combined, they provide so much appeal, most residents never feel like leaving.
Pets are welcome in the one- and two-bedroom units and you’ll find a dog wash area on site. However, expect to pay a little more for the location and the extra amenities. With a variety of floorplans, most units rent for more than what you’d pay on average in the state.
Situated right near Desert Sky Mall, Del Mar Terrace is conveniently located within Phoenix. It’s a great spot to commute from. The on-site soccer field provides a unique recreational opportunity, and the onsite market and preschool make the community feel like its own little village.
One- and two-bedroom units are all within a very affordable range. Monthly rent is considerably less than the average you’d expect to pay throughout Arizona.
Plenty of trees and polished landscaping give the Villages at Metro Center a homey feel. The community is also across the street from Metro Center Mall when the shopping bug bites. Units come with covered parking and private patios or balconies. Additionally, there are three resort-inspired pools, a clubhouse and a playground
With studio, one-, two- and three-bedroom units available there’s a floor plan to meet anyone’s needs. Pets are also welcome, and most units fall under the state’s average monthly rent.
A sleek and colorful aesthetic gives Novella a fun feel. The design fits the tone of the neighborhood, known for its vibrant, up-and-coming vibe and its variety of shops and restaurants.
These luxe, three-bedroom units include all the high-end amenities that come with the community. These include a barbecue area, fire pit, lounge space and pool.
The eye-catching yellow doors will draw you into the newly renovated space at Amara. Located near the downtown campus of Arizona State University, this community is also close to plenty of entertainment, shopping and dining.
New interiors and a great pool put the studio, one- and two-bedroom units in demand, and the price is right too. All units have a lower monthly rent than the state’s average.
A senior living community with a long list of amenities, Phoenix Manor is a great place to retire to. This is a smoke-free space with a dog park, two heated pools and a nine-hole putting green. Two clubhouses, a library, lounge and coffee bar round out the special spots. You’ll also find invites to social actives like bingo and dances to make it easy to get to know your neighbors.
This community is all about creating an elegant and independent lifestyle. Studio, one-bedroom and two-bedroom units are all available. Most even price out under what the average tenant pays each month throughout the state.
An urban vibe permeates the boutique apartment complex of MODE Midtown. Another green community, living here is all about location. Nestled among the East Alvarado Historic District and Central Arts District, you’re close to so much local culture. There are art galleries, parks, boutiques and unique eateries. You’re also close to the Phoenix Art Museum, the Heard Museum, the Arizona Opera and the Phoenix Theatre.
Affordable one- and two-bedroom floor plans give you plenty of space both inside and out. Large rooms and a nice-sized patio are the perfect combination for comfortable living.
A covered playground, basketball court and pet play area means every resident at San Marina can find happiness and activity. There’s also a hot tub, pool and clubhouse. It’s in West Phoenix, putting you near great shopping and dining. You’re also minutes from outlet shops and close to State Farm Stadium.
One- and two-bedroom apartments, priced well below the state’s monthly rent average, give you plenty of choices. And, none of them will take a big bite out of your budget.
Water-scape views make Riverwalk stand out in the middle of Phoenix’s desert landscapes. Close to Scottsdale, the Camelback Corridor and Papago Park, you’re never far from, excellent shopping, dining, hiking and biking. You’ve even got a golf course around the corner.
Within the community itself, you’ll have access to a 24-hour heated, Mediterranean-style pool and spa. There’s also a cabana, sand volleyball court and a playground.
Live in a little luxury with these condominiums, some of the best apartments in Phoenix.
Upscale amenities and excellent service make 59 Roosevelt another solid community to consider calling home. A resort-style pool, clubhouse and community lounge provide residents with spots to relax and socialize.
Two- and three-bedroom units feature oversized closets, stainless appliances and hardwood floors. You’re conveniently located to shopping and dining as well. Commuting is also easy via the South Mountain 202 Freeway and I-10.
If you live a more active lifestyle, consider calling Los Vecinos home. Not only will you find a playground, swimming pool and picnic area, but plenty of athletic options. Right out your door are basketball courts, a soccer field and a volleyball court. Perfect your skills in one sport or more while meeting your neighbors while you do it.
This community is also a win based on its location. It’s close to great dining, shopping and public parks as well. Studio, one- and two-bedroom apartments rent below the average for the state, for an affordable find.
Twenty-four-hour customer service makes The Cove stand out as a great Phoenix find. Combining comfort with a resort lifestyle, here, luxury awaits. One-, two- and three-bedroom apartments rent with all the expected amenities.
Only blocks away from a grocery, and great dining options, you’re also within range of a lot of activity. This includes the Phoenix National Raceway, Ak-Chin Pavilion and American Family Field of Phoenix. With all the perks, rent prices are slightly higher than the state average.
Up in North Mountain, Azura is an allergen-free apartment community. It’s both pretty to look at and functional to live in. You’ll find a 24-hour fitness center, three pools, a dog park and more.
From this vantage point, you also have access to plenty of hiking trails and scenic landscapes. There’s no shortage of great pubs, bars and casual eateries as well.
Studio, one- and two-bedroom apartments are affordably priced. They rent under the state average, making it possible to get coveted amenities at a great rate.
Walking distance to shopping plazas makes it a no-brainer to check out Village Square. This apartment community is in Paradise Valley. You’re close to Phoenix Mountain Preserve as well as plenty of parks with biking and hiking trails. You also have easy access to downtown.
This ideal location, coupled with amenities like a media center, business center and pool, comes at a very reasonable price. One- and two-bedroom units rent for under $1,000 a month.
A modern feel makes Rise on Thomas something a little different. With studio, one-bed and two-bedroom apartments, you have plenty of choices when picking your perfect floor plan. The community features a fitness center and swimming pool, too. You’re able to stay in shape and cool off on all those hot days without going far from home.
Rent prices are close to what you’d pay, on average, throughout Arizona. The location is also central to downtown, Biltmore Fashion Park and Phoenix Children’s Hospital.
Giving off more of a house vibe, the best features of Thunderbird Villas are the garages and the balcony/patio most units have. You’ll also find renovated interiors and plenty of shops and restaurants nearby.
These townhomes are in South Phoenix, an area rich in local history and culture. Two-bedroom units have starting rental prices below the state average. Rents may stretch slightly above though, based on the amenities within.
Taking all its tenants’ needs into consideration, The Curve at Melrose is full of amazing amenities. Not only that, but the look of the community is hip and modern. You’ll want to hang out in the common spaces. This is all to keep up with the vibe throughout the Melrose District. This Downtown Phoenix neighborhood is known for being vibrant, eclectic and very urban.
Specific amenities throughout the community include a business center with a conference room, a Starbucks coffee bar, valet trash service and charging stations for electronic vehicles. You’ll also find a great pool area with a hot tub, a 24-hour fitness center, a clubhouse and even complimentary beach cruiser rentals.
Living in a park-like atmosphere gives Verde Vista wide appeal. The community has two pools, a picnic and grill area and a covered playground. When the days aren’t too hot, you can also use the soccer field and basketball and volleyball courts.
Floor plans are spacious. And, everything in the studio, one-bedroom and two-bedroom units has gotten remodeled recently. The price is right, too, with all units renting for under $1,000.
Congregate around the fire pit at Atwater. Get to your know neighbors in this pet-friendly, recently-renovated community. There’s also 24-hour maintenance, a barbecue and picnic area, pool and conference room.
A part of the Camelback East neighborhood, living here puts you beside Squaw Peak and entitles you to amazing views. You’re also nearby some dining gems and top-notch hiking. Two- and three-bedroom options mean plenty of space and like-new amenities.
What’s not to love about Desert Star? Studio and one-bedroom apartments are affordably wrapped up with amazing amenities. Not only is there a fitness center, but also a jogging track, basketball court and tennis court. You get a pool and two jacuzzis. For the kids, there’s also a playground. It’s fun for all.
This community’s location within Deer Valley also puts you in walking distance to Turf Paradise. This horse racetrack is the third-largest sport’s attraction in the entire state. You’re also not far from great shopping and restaurants.
A nice outdoor grilling space is just the start at Boulder Creek. This community prides itself on service. You have access to a 24-hour wellness center and 24-hour emergency maintenance. You’re also located near Arizona State University, Sky Harbor Airport and the Phoenix Zoo. When nature calls, you’re across from Papago golf course and park as well.
Priced below the state’s average, you’ll find studio, one-bedroom and two-bedroom units for rent.
With a sleek look, Proximity 16th Street brings plenty of updates to this South Phoenix community. A smoke-free residence, you’ll find charging stations for electric vehicles as well as smart thermostats, doors and locks within each unit. There’s Wi-fi access at the resort-style pool and video doorbells, as well.
A brand-new community along the Western Canal, one of the best amenities is Bark Park, the community’s dog park. This isn’t the only pet-conscious feature though. You’ll also find in-home doggie doors that go out to private patios.
The price tag matches the perks. One-, two- and three-bedroom units all price higher than the state’s average.
Renting the best apartments in Phoenix
There are so many choices when it comes to renting in The Valley of the Sun. Make sure you come prepared when the hunt begins. No matter where you start your search, it’s an exciting process to find apartments for rent in Phoenix. This is thanks to the variety of vibrant and picturesque neighborhoods all around town.
We looked at all available multifamily rental property inventory from January to June 2021 on Rent. to determine which properties with a Phoenix mailing address are most viewed by organic internet searches. The information included in this article is used for illustrative purposes only. The data contained herein does not constitute financial advice, availability or a pricing guarantee for any apartment.
Salt Lake City is a vibrant city that is growing by the minute. More and more people are flocking to the Salt Lake valley, but it’s no surprise. Everyone comes to the valley for a different reason and each person has unique housing needs. Whatever your housing requirements are, there are plenty of options for you. Here are the best apartments in Salt Lake City to get you started on your hunt!
The one-, two- and three-bedroom apartments at Brickgate offer a combination of convenience and comfort.
A fitness center, hot tub and swimming pool make de-stressing and relaxing easy, not to mention the many nearby trails for hiking and biking. Each unit has a washer and dryer, extra storage and a renovated interior.
Located slightly further from the mountains, the Seasons at Pebble Creek has even better mountain views than other parts of the valley. These one-, two-, three- and four-bedroom units have private patios, in-unit washers and dryers and new interiors.
On-site amenities include facility patrol, a pool, fitness center, business center and playground. It’s also near the freeway, giving quick access to everything else that Salt Lake City has to offer.
Cottonwood apartments are in a quaint, mellow area of the Salt Lake valley. The conveniences it offers include a neighborhood pet park, outdoor hiking trails and safety measures, such as on-site patrol and controlled access.
The functional interiors have vaulted ceilings, walk-in closets and in-unit washer and dryer connections. And community amenities include a hot tub, pool, fitness center and business center.
In the affluent Avenues neighborhood, you’ll find that the studio, one- and two-bedroom apartments of Avenue East are near beautifully preserved, historic homes and nearby mountains.
The many hiking, biking and running trails located just steps outside the property are attractive to anyone that enjoys the outdoors. Finally, like the other homes in the area, the apartments are well-maintained and have renovated interiors.
With a variety of one-, two- and three-bedroom floor plans available, Liberty Commons is conveniently located in the suburbs, yet not far from the Salt Lake International Airport and downtown area.
Other conveniences are available, like direct-access garages with some apartments, an in-unit washer and dryer and extra storage.
Summerwood’s two-bedroom apartments are affordable, starting at $925, yet offer the comforts of a more expensive unit. In-unit washer and dryer connections, private balconies and oversized closets come with the apartments here, not to mention the proximity to shopping and entertainment.
Fitness options include an exercise center, tennis courts and racquetball courts. Additionally, there’s a hot tub, two outdoor pools and an indoor pool, giving plenty of room for swimming during all seasons.
In one of the most sought-after neighborhoods in the valley, Liberty Village is in the center of Sugarhouse. Its studio, one- and two-bedroom apartments have granite countertops, nine-foot ceilings and all stainless steel appliances.
Liberty Village is a green community, complete with a green building certificate and on-site recycling. Also, the complex has controlled access entry and on-site patrol, providing peace of mind for residents.
A comfortable place for pets and people alike, Mountain Shadows is near a pet park in the suburbs. It has many amenities available, such as basketball courts, a business center, a fitness center and a pool.
Mountain Shadows has one-, two- and three-bedroom floor plans, which include on-site patrol for the complex and options for extra storage.
Located in the vibrant, coveted neighborhood of Sugarhouse, the Vue at Sugarhouse Crossing is one of the most desirable apartment complexes in the valley. Fitting with its name, the mountains are close by and the views from the apartments are stunning.
Apart from its ideal location near Sugarhouse Park, it offers access to boutiques, unique dining and amenities like a hot tub and fitness center. Each unit features hardwood floors, a dishwasher, stainless steel appliances, a kitchen island and ceiling fans.
Donna Manor’s one- and two-bedroom plans have a little bit of everything. It’s located near shopping and restaurants and apartments include balconies where you can enjoy the incredible Utah mountain views.
Apartments come updated with luxury touches, like two-toned paint, crown molding and tiled fireplaces. There are also solar panels to reduce the cost of utilities. Also, the community clubhouse, a hot tub and sauna are available for residents to relax and de-stress.
The one- and two-bedroom floor plans at Callaway offer comfort and variety, including beautiful golf course views, high-end stainless steel appliances, hardwood floors, and various amenities.
Callaway has top-tier amenities available for residents, which include two dog parks and a dog washing facility, two fitness centers, two swimming pools, a clubhouse and sports courts.
Woodside at Holladay is close to the large Murray Park and only a short drive to the mountains, giving plenty of access to outdoor activities at all times throughout the year.
The interior layout and amenities shine through at Woodside, as additional storage is available, updated kitchens include newer dishwashers and islands and there are in-unit washer and dryer connections.
Offering one-, two- and three-bedroom apartments with updated kitchens, large closets and extra storage, Cedar Breaks has many perks, including beautiful mountain views from across the Salt Lake valley.
It’s minutes away from both I-215 and I-15, making travel and commuting quick and convenient. Its amenities include a fitness center, basketball court, hot tub and pool.
Apartments ranging from one to three bedrooms at Maison’s Landing have high-end upgrades in each unit, including stainless steel appliances and in-unit washer and dryer options, as well as other conveniences like carports and garages.
Maison’s Landing has incredible amenities, like free bike checkouts, a gated pet area, a pool lounge with billiards and shuffleboard, sports courts and a pool.
Ultimately, Aspen Cove is in a quiet community north of downtown. It contains two- and three-bedroom units that have luxury features, like vaulted ceilings, hardwood floors, large closets with organizers included.
There are also private patios and additional private storage, making it easier to hold outdoor gatherings and store extra belongings.
Thornhill Park is in the quieter suburbs east of downtown Salt Lake City. Its facilities include a clubhouse, business center, fitness center, hot tub, pool and racquetball courts. There’s also on-site patrol to keep the complex safe.
Here at Thornhill Park, there are floor plans that are one and two bedrooms. Plus, in-unit washers and dryers, patios, balconies and new interiors.
Minutes away from historic Wheeler Farm, Boulder Hollow lies close to walking trails and canyons for outdoor recreation. These large apartments have in-unit washer and dryer connections and controlled access for added safety.
Residents can choose from anything between one- to four-bedroom apartments and townhomes, which are perfect for everyone from individuals flying solo to families of all sizes.
Stonehenge’s spacious one- and two-bedroom apartment plans include large closets, a fireplace and in-unit washer and dryer hookups. Additionally, it’s also not too far from hiking, skiing and other outdoor recreation.
Furthermore, the facilities have a pool and hot tub, fitness center, recreation room and racquetball and tennis courts, so you have everything you need and more right outside your door.
Right in between downtown Salt Lake and the University of Utah campus is The New Broadmoor. This beautiful brick building is full of character and charm and contains one- and two-bedroom apartments, with short-term leases available if needed.
These renovated apartments are all about location and are within walking distance of many shops, cafes and other dining. Plus, we have to mention plenty of downtown entertainment.
What used to be an old bowling center, the Ritz Classic was converted into studio, one- and two-bedroom apartments, but kept the large 90-foot bowling pin in the parking lot as a reminder of its history.
Along with updated interiors, these apartments are close to parks, shopping and dining, and the complex itself has plenty of amenities. Fire pits, a coffee bar, electric vehicle charging stations and even a yoga studio are a few of the things residents have access to.
Near downtown and within walking distance to shopping and entertainment, Park Place at City Centre has two-bedroom, two-bathroom apartments.
Plus, it includes a variety of amenities, like a barbecue area, playground for kids, fitness center, hot tub and large clubhouse.
Just off of Foothill Drive, one of the best locations in the valley is Foothill Place. A short drive from downtown and right near the mouth of Parley’s Canyon, there really isn’t a more ideal spot to settle.
These one- and two-bedroom apartments are not only close to multiple ski resorts, but the complex has a hot tub, pool and fitness center.
First of all, you have the option of a one-, two- or three-bedroom floor plan at Overlook Point. Although it isn’t in the center of the city, it is conveniently located near a shopping center in the quiet suburbs.
If shopping isn’t enough, there are basketball and tennis courts, a clubhouse and a fitness center. Also, enjoy taking a dip in the pool!
Newly renovated with large garden tubs, oversized closets and hardwood floors, Cornell Street is one of the best apartments for the price.
Their studio, one- and two-bedroom apartments start at just $720 a month and would put you within only a few minutes of downtown Salt Lake.
Finally, Towers on Main is basically the best of everything. It offers a variety of floor plans —everything from studio to 3-bedrooms. It has stellar safety features, such as alarms, controlled building access, gated access to the premises and on-site patrol.
There are pet-specific amenities, including a private dog park, making it one of the best for pet owners. In addition to pet amenities, there’s a pool, fitness center, recreation room and media center.
Don’t delay your Salt Lake City apartment hunt
Because. so many people are moving to Salt Lake City, housing may become harder and harder to come by. So don’t wait to start looking for an apartment! Snag the perfect place for you before someone else does.
We looked at all available multifamily rental property inventory from January to June 2021 on Rent. to determine which properties with a Salt Lake City mailing address are most viewed by organic internet searches. The information included in this article is used for illustrative purposes only. The data contained herein does not constitute financial advice, availability or a pricing guarantee for any apartment.
A surefire way to wrap up the year in style and bring your home to life for the holidays is to deck your halls — and living room, entryway, dining room and the exterior of your home.
We asked the owner of Digs Home and Garden, 3905 Chenoweth Square, for ideas on what holiday decorating ideas will be on-trend in this holiday season, especially if you live in the Louisville area.
“Louisville is pretty traditional when it comes to decorating for the holidays but it’s also fun to add a few new things into the mix, ” Ben Palmer-Ball, owner of Digs Home and Garden, told the Courier Journal. “Some customers come to the store and buy the entire Christmas tree; lights, ornaments, garland and all. But it’s more realistic to take an inventory of what you already own, decide on a theme, and update your tree by adding some trending colors in ribbons, garland, and sprigs.”
almost 3,000 U.S. homeowners by the home improvement website House Method, most Americans, including those of us in Kentucky, start to decorate for the holidays on Thanksgiving weekend. The beginning of Advent, which begins on the fourth Sunday before Christmas, is another popular day to put up the Christmas tree. This year, Advent begins on Sunday, Dec. 3.
Decking the halls can do more than simply add a festive flair to the look of your home. If you were thinking of putting off your holiday decorating in 2023, here are a couple of positive reasons to reconsider. According to experts, it can make your spirits bright by boosting your mood and can contribute to social activity, which has proven mental and emotional benefits.
Journal of Environmental Psychology shows that when people see a home decorated for the holidays, they tend to view the residents as more social and approachable.
So, what are you waiting for? From the newest ideas in lighting to stylish color combinations, here are six holiday trends that will be popular in Louisville for the Christmas of 2023.
Light your tree for maximum twinkle
A well-lit tree needs about 100 lights per foot. For instance, a 6-foot tree requires 600 lights. Palmer-Ball likes to use Rice lights which are small round LED bulbs that look like large grains of, you guessed it, rice.
Additionally, he likes LED lighting over incandescent bulbs since, according to the U.S. Department of Energy, they use up to 75% less energy and last 25 times as long.
change colors simply by pushing a button.
Bold and beautiful blue tones will update your 2023 Christmas tree
It’s no surprise the color blue is welcome to the Christmas party. Blue is the world’s favorite color and is commonly included as one of the five main colors on Christmas lights.
For 2023, Palmer-Ball has decorated a number of trees in his store with pops of blue accessories in various hues.
“Blue is a trending color this year, “he said. “When you pair the blue ornaments with red ornaments it becomes a festive and fresh look.”
Plush ornaments are a fun and colorful Christmas tree accessory
Brightly colored soft ornaments are a popular and unbreakable trend that adds a soft and whimsical touch to your Christmas tree.
Great for families with small children or pets, these vibrant ornaments can be cartoonish and clever and are easy to store at the end of the holiday season.
Sweet petite tabletop Christmas trees are in big demand
In 2023, Palmer-Ball is selling a lot of small trees that can sit on top of a coffee table or chest of drawers.
“I think some customers don’t always want the big commitment of a full-sized tree,” he said. “Plus adding a smaller tree to your decor like in the kitchen or the den can give you another space to display specific ornaments or a theme.”
For instance, if you have collected a lot of the ornaments your kids’ have made through the years, rather than clumping them in on your main tree, display them on their own tabletop tree. The kids will love it!
On display at Digs, we also discovered a bright tabletop tree for the kitchen filled with food-themed ornaments and another covered in nothing but adorable dogs.
Classic colors are updated with a twist on the 2023 Christmas trees
The classics, red, green and white will always spell C-H-R-I-S-T-M-A-S, but we’re excited to see how the new Christmas decorating ideas for 2023 push the envelope.
“Red and green are always traditional at Christmas but maybe this year you focus more on the red accents and ornaments and find things that accentuate that,” Palmer-Ball said. “The next year twist it up and focus more on the green accessories.”
A tall white flocked tree at Digs is a centerpiece and a tradition at the store. Stocked with red and white glass balls, red plaid ribbons, and ornaments in the shape of Cardinals and cranberry sprigs, the red and white color palate could easily be flipped next year to variations in green and white.
Modern frosted Christmas trees are a popular trend in 2023
We know one way to guarantee it will be a white Christmas. Flocked or frosted Christmas trees have become increasingly popular in recent years due to their ability to create a winter wonderland-like atmosphere in your home. Palmer-Ball said today’s trees are better made than the clumpy flocked tree your grandmother displayed.
“These trees today are light and subtle and many have a lot of space between the branches so you can really see the ornaments,” he said. “The colors really pop against the artificial white snow.”
Digs Home and Garden, which opened in 2000, has become a year-round home decor and gift destination in St. Matthews. The store is especially festive leading up to the Christmas holidays when Palmer-Ball and his staff spend hours transforming the large space into a winter wonderland for the holiday season.
“Take a look around and you can tell, I don’t know when to stop,” laughed Palmer-Ball.
Luckily Palmer-Ball’s overindulgence means more creative tree-trimming options and holiday home decor ideas for you. Happy holidays!
Wow even the most hard-to-buy-for with these best-in-show finds for the home.
From space-savers to suit your culinary aficionado and gadgets even your handy father-in-law hasn’t heard of, these rental-friendly home gifts are sure to please even the most particular renters.
Take a look through our home gifts, where we have curated the best items to organize, decorate and add interest to their apartment. You might just find something here for yourself, while you’re at it.
No outlet, no problem – this modern and sleek cordless lamp looks luxe but exudes utility.
4.8 out of 5 stars – 43 ratings
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Light up your space with this sleek cordless lamp that’s not just stylish but also super practical. It’s the modern solution for a well-lit and wire-free atmosphere.
4.5 out of 5 stars – 370 ratings
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Forget the usual throw pillows – knot your way to cozy perfection with this unique gem. It’s not just a pillow; it’s a conversation starter that adds a touch of flair to your chill-out zone.
Storage ottoman that doubles as darling decor – done and done.
4.8 out of 5 stars – 130 ratings
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Meet the superhero of storage! This ottoman not only stashes your stuff but also doubles as decor. Decluttering has never looked this good – it’s the ultimate multitasker for a stylish living space.
4.5 out of 5 stars – 275 ratings
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Keep it classic and cozy with this timeless black & white throw. It’s the no-fail accessory for a comfy movie night or a stylish nap – because you can’t go wrong with a classic.
4.8 out of 5 stars – 2,166 ratings
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Add a touch of whimsy to your jewelry game with this white elephant holder. It’s not just a jewelry holder; it’s literally the perfect white elephant gift.
4.7 out of 5 stars – 1,625 ratings
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Sleek, smart and bedside-friendly – this docking station is a game-changer for your devices. Say goodbye to messy cords and hello to a stylish charging solution for the modern age.
4.5 out of 5 stars – 94,007 ratings
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Make meal prep a breeze with this 9-in-1 Veggie Chopper; it’s your secret weapon for slicing, dicing and conquering the kitchen with ease.
A counter-saving Cord Organizer to curb your cord conundrums.
4.4 out of 5 stars – 2,711 ratings
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Tame the cord chaos with this counter-saving cord organizer and keep your electronics in check without sacrificing style.
A bookend vase filled with“Tulips” for your black-thumbed but well-read friend.
4.6 out of 5 stars
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Combine literature and blooms with this bookend vase. Add a faux floral touch to bring your bookshelf to life – the perfect gift for your well-read, black-thumbed friend.
Whimsical (yet removable) wall decals.
4.6 out of 5 stars – 151 ratings
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Personalize your space without commitment with these whimsical, removable wall decals. Show your personality without risking your deposit!
16 tools, one handy gift.
4.6 out of 5 stars – 374 ratings
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Be the everyday hero with this 16-in-1 Multi-Tool, or should we say, toolbox, that fits in your pocket, ready to tackle whatever life throws your way.
Don’t forget the Command Strips.
4.7 out of 5 stars – 134 ratings
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Rebel against boring walls with this tin skeleton artwork. It’s lightweight enough for Command Strips but heavy-metal enough for even your most rebellious friend to rock.
Under Bed Storage to make the most out of that unused space.
4.8 out of 5 stars – 236 ratings
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Maximize your space with this under-bed storage solution, the ultimate secret weapon for making the most out of that underutilized space beneath the bed.
Enjoy the essence of a candle without the flame with this Black Cherry Diffuser.
4.4 out of 5 stars – 3,158 ratings
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What a scent-sational addition to your space! Create a cozy ambiance without the need for an open flame with this luxurious home gift featuring a unisex fragrance.
An apartment-friendly bar cart for your cocktail connoisseur.
4.7 out of 5 stars – 282 ratings
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Shake up your home entertaining with this apartment-friendly bar cart. Stylishly display all of those mixes, glasses and liquors to make mixing up the perfect cocktail in tight spaces a breeze.
Wall-safe decor or throw organizer? This ladder rack is both!
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Hang in there with this ladder rack that’s both wall-safe decor and a functional throw organizer. Say goodbye to crumpled piles of throws, and hello to style.
All the hot sauce, pantry space not required.
4.5 out of 5 stars – 6,125 ratings
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Turn up the heat without cluttering your pantry with this Hot Sauce Sampler. Do we see a fiery taste testing in your future?
Or for the adventurous type, try this DIY hot sauce kit.
4.6 out of 5 stars – 2,258 ratings
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Did you say more hot sauce? This DIY Hot Sauce Kit is an adventure waiting to happen – the perfect home gift for the bold and adventurous in your life.
Super absorbent, washable doormat for our fellow pet-loving clean freaks.
4.7 out of 5 stars – 215 ratings
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Keep it clean and cute with this super absorbent, washable doormat. It doubles as a dirt catcher – so pets get most of that outside muck off their feet before they prance through the apartment – and as a warning to incoming guests that they’re about to be loved on by something furry and sweet.
Space-saving smart lamp so your vibey friend can properly set the mood.
4.6 out of 5 stars – 3,453 ratings
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Light up your vibes with this space-saving smart lamp. It’s not just a lamp; it’s your ticket to setting the perfect mood without sacrificing precious space.
4.8 out of 5 stars – 15 ratings
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Cheeky friends will love this cheeky toilet topper. It’s a giggle-inducing and stylish way to bring a little fun to the smallest room in your home.
Whatever gift you give, have a (pillow) ball while giving it.
4.4 out of 5 stars – 41 ratings
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What we mean is to have a ball of fun with this playful Pillow Ball. Late-night pillow basketball, anyone?
The best home gifts for the holidays
While you most likely can’t afford to buy your friend or family member a new home for the holidays, you can find something in our list of home gifts above to make their space feel as cozy as possible. Even better: Our list above is all Amazon finds, so you can grab them at the last minute, too.
Kate Terhune is the Director of Brand at Rent. and leads the consumer brand, creative and event management functions for the organization. She has enjoys abstract painting and hanging with her family in her free time.
Inside: Are you struggling to make ends meet on a low income? This guide will teach you how to budget money effectively on a low income, so you can live a comfortable life without having to skimp on important expenses.
Let’s face it… Navigating through the budgeting on a low income can often feel overwhelming.
The fear of insurmountable bills, the anxiety associated with rising living costs, and the overall foreboding nature of budgeting often make for a persistently stressful experience.
However, it is crucial to understand that you are not alone in this journey. I have been in your spot as well as many Money Bliss readers.
Regardless of how daunting the budgeting task may appear, we truly believe that with the right guidance and adherence to solid financial principles, you are capable of achieving financial peace of mind.
This process will simply require patience, persistence, and strategic planning. This guide aims not only to shine a light on the struggles of budgeting with a low income but also to offer a beacon of hope.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
How to Budget Money on a Low Income
While it’s true that budgeting with a low income can be tough, proper money management can make it doable.
When you have less disposable income, it leaves you with less leeway in your budget. That’s why you have to be accountable and meticulously plan your spending to ensure financial stability.
So, let’s dig in and you can find success.
Step #1 – Figure out Your Monthly Income
Developing an effective budget starts with understanding your monthly income.
Here’s a step-by-step guide:
List out all income sources: This includes all your regular paychecks, part-time jobs, side hustles, social security, child support, or any other form of income you have. If your income is irregular, say from commissions or seasonal work, it’s advisable to base your budget on your lowest monthly income.
Account for taxes and deductions: To get an accurate picture of your disposable income, you need to factor in taxes and deductions from your earnings. You need to make sure you understand the difference between gross pay and net pay.
Include irregular income: If you occasionally get money from gifts, or sporadically earn from passive income sources like investments, be sure to include these too. As these are inconsistent, it is best to fund discretionary spending with this money.
Personally, I recommend using your net income with budgeting. This will give you an accurate budget that you can truly follow.
This knowledge is powerful when it comes to effective budgeting.
Step #2 – Define your bills and Expenses
Knowing how much you spend and what you spend your money on is another crucial step in budget planning.
The key is to define ALL your bills and expenses. Here are the personal budget categories that cover almost everything you can think of.
Now, you must do the following:
Identify your fixed costs: These are basics that you have to pay monthly and remain fairly constant, such as rent, car payments, and student loans.
Consider flexible costs: These expenses vary from month to month. Examples include groceries, transportation, electricity, water, and gas bills.
Remember periodic costs: Some costs only appear annually or semi-annually. For instance, insurance premiums, car registrations, and property taxes. It’s important to set aside money each month to cover these expenses when they arise. A sinking fund is great for these expenses.
Account for daily spending: Beyond fixed and flexible bills, consider your day-to-day expenses like shopping, subscriptions, and entertainment. Be honest about the little expenses. It’s often the small, frequent purchases that can derail a budget.
Prepare for unplanned costs: Finally, remember to budget for unexpected expenditures such as car repairs or medical bills.
By defining and categorizing your bills and expenses, you can see where your money is going and better manage your spending.
Step #3 – Reach a Zero Budget
A zero-based budget is a strategy that requires you to assign every dollar you earn to a specific expense or savings category, with the goal of having your income minus your expenses equal zero by the end of the month.
Write down your income: From the step before, you already know your total monthly income.
Subtract your expenses: Subtract the total of your monthly expenses (including savings) from your total monthly income. If you’ve correctly accounted for your income and expenses, the result should be zero. This is what it means to have a “zero-based budget”.
Balance the budget: If your income and expenditure don’t balance, adjust your variable expenses and other discretionary spending until they do. This can involve cutting back on nonessential overspending, like takeout meals or unnecessary purchases.
Allocate every dollar: With your budget balanced, each dollar should now have a purpose, whether it’s paying bills, going into savings, or providing for your daily needs.
Many people struggle to hit a zero based budget on the first try. It is common for your expenses to be higher than your income. Thus, a no spend challenge may help you identify what is important to actually spend your money.
Reaching a zero-based budget equips you with a clear picture of your financial status.
Thus, it allows you to use your money purposefully and prevents unnecessary spending. This way, even with a low income, you can still meet all your needs and work towards your financial goals.
What do you do if your budget shows your expenses are more than your income?
When your monthly spending exceeds your monthly income, immediate attention is needed to prevent worsening financial issues. Before panic sets in, consider taking the following steps:
Analyze your budget: Reevaluate and scrutinize your budget. There might be necessary adjustments overlooked or expenses incorrectly categorized. This will give you a clearer understanding of where your money is going.
Prioritize essential expenses: Allocate money to necessities like housing, food, utilities, and debt repayments first. Other less necessary expenditures, like entertainment and dining out, can be reduced or eliminated.
Reduce expenses: After prioritizing, identify areas where cuts can be made. Impulse buys, unnecessary subscriptions, or expensive habits might need to go.
Increase your income: Consider part-time jobs, side hustles, selling unused items, or picking up freelance work to bring in more money.
Seek advice if debt is weighing you down: As a last resort, you may look at ways to lower your interest rate on your debt. These strategies like debt consolidation or restructuring could help make your situation more manageable.
Remember, this situation, while stressful, is not permanent. With careful planning and disciplined execution, you can turn this around and regain financial stability.
Taking Control of Your Budget When Income Doesn’t Cover Your Expenses
Now, this is where you need to learn to manage your money wisely. You are in control of where you spend your money.
Many truly believe with a higher income all of their financial problems go away. From my research, most people end up with bigger money problems, the same spending habits, and still living paycheck to paycheck even with a higher income.
So, let’s reign in what you can do today to make your budget feasible.
1. Prioritize Essential Bills and Expenses. The key is to identify which expenses are truly essential to your livelihood. All remaining expenses, like entertainment or eating out, should be considered secondary and only met after the primary expenses have been satisfied.
2. Participate in a No Spend Challenge. A No Spend Challenge not only helps you save money rapidly but also makes you cognizant of your spending habits, helps identify non-essential expenses, and guides you towards a minimalist, sustainable lifestyle. Start with a no spend month.
3. Reduce your Housing Expenses. Housing costs can be one of the most significant expenses. Look at ways to downsize, negotiate rent, refinance your mortgage, or get roommates. Or even housesit permanently.
4. Be Cognizant of Bad Spending Habits. Some examples include impulse purchases, expensive convenience, not comparison shopping, or paying too much. By becoming aware of your spending habits and making conscious choices, you can break the cycle of unnecessary spending and start saving money with the penny challenge.
5. Skip the Expensive Coffee Shop. Choosing to forgo your daily coffee shop run can result in surprisingly significant savings. Implementing just this one change could save you over $600 a year!
6. Use Public Transportation to Save Money. The costs of owning a car – gas, maintenance, parking, and insurance – can quickly add up. So, look for public transportation as an alternative or even cycling, carpooling, or walking.
7. Take Advantage of Free or Cheap Entertainment. When living with a low income, entertainment expenses can quickly eat into your budget. Good news for you! There are plenty of things to do that don’t cost money.
8. Cut Back on Grocery Spending. By implementing simple strategies such as meal planning, cooking at home, cutting down on processed food and reducing waste, you can maintain a healthy diet while significantly reducing your grocery bills. Don’t forget to use those discounts and coupons!
9. Stick to Your Shopping List. Preplan your purchases before stepping into a store. This is a powerful tool in curbing those impulse purchases which can inflate your expenses substantially.
10. Start Meal Planning. Meal planning is a practical and economical way to manage your food budget. By planning your meals for the week, you can control your grocery spending and eliminate waste.
11. Stockpile Goods That Will Stay Stocked Up Long Term. Remember, the goal of stockpiling is to save money, not to transform your home into a supermarket. Purchase enough to last a few months and focus on items that you’re certain to utilize. Here are the best foods to buy when broke.
12. Pack Your Own Lunch and Skip Eating Out. With an average meal out costing around $10, you could easily save $200 a month by packing lunch from home. Over a year, that’s $2,400 in savings!
13. Drink Water and Avoid Processed Foods. Shifting dietary habits can be a significant change, but your commitment to a healthier lifestyle can reap both health and financial dividends. It’s an investment in a life of wellness and economic sustainability.
14. Take Advantage of Discounts when Shopping. Remember, the goal of shopping with discounts is to spend less on what you need, not to buy more than you need. So, make sure to use coupons wisely, shop sales, buy off season, and use Cashback apps like Rakuten and BeFrugal.
15. Avoid Impulse Purchases. By avoiding impulse purchases, you give your budget room to breathe and create an opportunity for savings. This makes a significant difference over time, especially when money is tight.
16. Apply for Discounts on Utilities and Services. Many utility companies provide low-income home energy assistance programs. The same is true for internet service. Contact your service providers to check your eligibility.
17. Get Free or Discounted Goods Through Charities. Charities, faith, professional, and local organizations often offer grants for people experiencing financial hardship. Utilizing them can be a lifetime as they help you stretch your budget further and provide necessary support in times of financial struggle. Don’t be afraid or too proud to ask for help when you need it.
18. Get Outside. Reconnecting with nature can provide you with cost-free entertainment and a sense of tranquility that’s hard to find elsewhere.
19. Avoid Unnecessary Expenditure. While each person’s definition of “unnecessary” may differ, the key to budget management is curbing expenditures that don’t add substantial value to your life. A common culprit could be brand-name goods or late fees.
20. Start the Practice of Saving with a Mini Savings Challenge. The Mini-Savings Challenge can pave the way to a habit of saving regularly, even on a tight budget. Essentially, this challenge consists of setting aside a small amount of money each day or week, gradually increasing the amount over time.
21. Show Gratitude. While it may seem less directly related to finance, practicing gratitude is indeed integral to efficient budgeting and financial wellness. Remember, financial success isn’t just about making more money. It’s also about appreciating what you have and recognizing the steps you’re taking towards your goals.
Inciting Additional Income Avenues
Okay, this section is how you take a low income and increase your money. While cutting back spending is helpful, creating more money will help you to reach money success faster. This will take the strain off.
1. Look for Ways to Earn Extra Income
Boosting your income, no matter how minimal the increase, can help cover necessary costs and elevate your financial standing.
Here are some ideas using your current job:
Work Overtime: If possible, consider getting more extra hours at your current job. Earnings from overtime or extra shifts can be significant.
Negotiate a Raise: If you’ve been with a company for a while and demonstrated your worth, it might be time to discuss a raise. Prepare well for this conversation with evidence of your productivity and value.
Every extra dollar earned can be put towards savings, paying down debt, and creating better financial stability.
2. Leverage Side Hustles for Extra Money
Side hustles have become an increasingly popular way to earn extra money online in your spare time. They allow for flexibility and can be a great supplement to your current income.
Start a Side Hustle: These can be a great way to make use of spare time to earn extra cash. This could be anything from driving for a rideshare company, offering freelance services, tutoring, delivering food or groceries to selling homemade goods online.
Sell Unused Items: You probably have items in your home that you no longer need. Selling anything from clothes to electronics or furniture can be a good source of income.
Passive Income: From writing an eBook to renting out a room in your house or investing in stocks, creating passive income streams can provide extra money over time.
Remember to choose a side gig that fits your schedule, interests, and skill set. Not only could it bring in extra money, but it could also turn into a passion project, making the work feel less like a chore.
3. House Sit for Extra Income
House sitting can be a viable option for those looking to generate extra income, especially if you’re flexible with your time and location. It typically involves looking after someone’s home (and sometimes their pets) while they’re away.
Not only is house-sitting a way to earn money, but it can also offer a free place to stay. Hello – you just lowered the biggest expense in your budget. However, remember that taking care of someone else’s home is a huge responsibility, so only take on tasks you’re confident you can handle.
Get started by building your profile on Trusted Housesitters.
4. Items You Don’t Need Anymore
Selling items you no longer need or use can both declutter your home and add to your income. It doesn’t just have to be big-ticket items; even small routine household items can yield returns.
While this may be difficult to do, look for items in good condition that you and your family no longer need or use. If you have extra baby stuff, you can rent it on BabyQuip for extra money.
Remember, while selling items won’t provide a consistent income, it can be a great one-time source of extra cash especially if you have these highly popular flipping items in your house.
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5. Pick up a Part-time Job
When you’re on a limited income, picking up a part-time job can be a reliable way to supplement your earnings. You are trading your time for money.
Many of these jobs that pay weekly offer valuable experiences, skills, and possibly even room for growth and advancement. Remember to save and plan for any taxes due as a result of your increased earnings.
Smart Use of Technology in Budgeting
Taking advantage of personal budgeting tools can make managing your finances easier. They can help track expenses, create a budget, and set saving goals. Here are some popular options:
You Need a Budget (YNAB): YNAB helps you create a budget and live within your means, educating you on effective money management along the way.
Simplifi by Quicken: This app crunches the numbers to show how much money you have for day-to-day spending after accounting for bills, goals, and savings.
Empower: This free tool offers a comprehensive financial dashboard that includes budgeting features and investment tracking.
Tiller Money: If you want a more manual approach, you can use Google Sheets or Excel to create a customizable budget spreadsheet.
Remember, the best tool is the one you use consistently. Try a few options to see which one best meets your needs and preferences. Every tool has its pros and cons, but all aim to help you control your finances effectively.
Empower Personal Wealth, LLC (“EPW”) compensates Money Bliss for new leads. Money Bliss is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.
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Access Paychecks Early with Digital Banking Apps
With the rise of digital banking, access to innovative financial tools like early direct deposit has become more accessible, even for those with low incomes. These services can be crucial lifelines between paychecks or in case of emergencies.
Here are a few platforms that offer such services:
Chime: Once you set up direct deposit with Chime, you may get your paycheck up to two days earlier than at a traditional bank.
Current: Current, a mobile bank account, provides users with paychecks up to two days in advance.
Varo: Varo also offers early direct deposit for its users, helping you gain access to your money more quickly.
Clair: Clair’s on-demand pay solution lets you advance a portion of your paycheck before payday. This can be particularly helpful when navigating financial crunches.
It’s important to note that while accessing your paycheck early doesn’t give you extra money, it does provide more flexibility in managing your finances and can help avoid overdraft fees or high-interest loan options in times of need. As with any financial tool, it’s essential to use early paycheck access wisely and not rely on it for regular spending.
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FAQs
Saving money on a low income can seem challenging, but a few strategic changes and smart habits can make it achievable.
Engaging in a money-saving challenge can be a motivating way to encourage disciplined saving, helping you to creatively manage your finances and significantly boost your savings plan over time.
Remember, the key to saving on a low income is to stay consistent, patient, and adaptable in your approach.
Surviving on a low income budget can be challenging, but strategic planning and careful spending can help you manage your finances effectively.
The focus as Dave Ramsey likes to say is on your four walls – food, utilities, shelter, and transportation.
Remember that it’s okay to adjust your budget as you go. Circumstances change, and so should your budget. Review your budget regularly to ensure it’s still working for you and adjust as needed.
Budgeting when you’re broke might seem like an uphill battle.
The key is to make sure you stick to your budget and track your spending consistently. Don’t hesitate to reach out to local charities, government programs, and non-profit organizations for assistance.
Remember, being broke is often a temporary situation, and even small steps towards better budgeting can compound into big changes over time. Try to stay positive and focused on your financial goals.
Now, How do you Survive on a Low Budget?
Surviving on a low income involves careful planning, budgeting, and making the most of available resources. While it may seem challenging, it is indeed possible.
Every small step you take towards frugal living, such as sticking to a budget, reducing unnecessary expenses, or earning extra cash, can lead to considerable savings in the long run.
Remember, it’s also important to invest in yourself – whether that’s asking for a raise at work, learning a new skill, or starting a side hustle.
The journey of living on a low income can be tough, but it also offers an opportunity for creativity and gratitude for the essential things in life. With a positive mindset, some patience, and careful budgeting, you can not only survive but thrive, even on a low income.
The goal isn’t to just get by but to build a financially stable future.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
As a landlord or property manager, securing the best possible tenants for your apartment is crucial. You want someone who’s not only going to pay rent in full and on time but will also be a model tenant. No noise complaints, no property damage beyond normal wear and tear, perfect. The screening process to find this ideal tenant all begins with the rental application form. Not only should this document be comprehensive, but also effective in helping you weed out applicants who just won’t fill those perfect tenant shoes.
While there are a lot of templates out there to help you draft a rental application form, you may want to create your own. If you do, make sure these essential elements come together to paint a complete picture of every person interested in renting your property.
Things to include in an apartment rental application form:
Start with the basics
It’s best to get the basic, essential information out of the way first. It’s an easy section to knock out when crafting a rental application form.
Begin this section with the day’s date. This is important because it lets you manage the first-come-first-serve style that most rental applications get reviewed. You can easily keep everyone in order if you have multiple viewings and multiple applications. You may even consider adding a timestamp once an application comes in for further organization.
The rest of the basics are all about the applicant themselves. Each person interested in renting a single apartment should fill out a separate application, so this area should focus on one person only. Include sections for:
Applicant’s full name
Current address
Home phone number, cell phone number and/or work phone number
Date of birth
Social security number
Driver’s license number (or any government-issued ID)
These last three pieces of information are necessary to run a background check on the applicant. You can explain that to them as they’re filling the form out if there’s concern about sharing this type of information upfront.
Include apartment information
Also within this section, or immediately above or below it, you’ll want to include a few bits of key information about the rental property. You want to add not just the address and unit number, but also details on fees and rent. Provide a space to write in monthly rent, security deposit fee, upfront costs and pet fees (if applicable.)
You can also insert the date the unit will become available or even allow the prospective tenant to fill in their estimated move-in date.
Putting this information here means no surprises for whichever applicant you decide to rent the apartment to. The information on the lease will match what they have here.
Dive into their employment history
The next section should focus on employment. Hopefully, your applicant is currently working somewhere, or at least can confirm a steady stream of income from some source. How else will they afford rent, right? You’ll collect information on their finances in more detail later on, but for now, establishing a work history and monthly income gives you a good snapshot.
In this section, you’ll want to ask for:
Name and address of current employer
Supervisor’s name and phone number
Applicant’s job title
Start date
Monthly income (after taxes)
Get all this information for their current position and ask for it all for their previous employer, as well. Just go one job back to establish a history of employment. It’s also OK if the applicant doesn’t have a previous employer. A first-time renter hasn’t had time to establish a job history, or they worked for the same company for a long period of time. You can look at each individual application to decide whether only having a single, current employer is OK with you.
Other sources of income
It’s also best to leave a space where the applicant can note other sources of income. You don’t need totals at this point, but it’s good to know what to research when doing a credit check. Other sources of income can include:
Inheritance
Annuity
Severance payment
Unemployment
Disability
Social security
A complete list of what types of additional income the applicant has coming in is helpful for you to total up whether they make enough to afford rent.
Gather rental history
Equally important to their finances is the applicant’s rental history. You want to know about their current and past landlord or property manager. You also want to know if they have any evictions on their record.
Collect the name and contact information from the current and previous landlord or property manager in addition to the monthly rent they paid/are paying, the date they moved in and the date they moved/are moving out.
Sometimes, the best resource to learn about a prospective tenant is to talk with other landlords or property managers who they’ve rented from before. You’ll get the inside scoop.
Ask for references
While it’s not a necessary section on your rental application, it’s a good idea to put in one asking for personal references. Your applicant can share names of friends, family or professional contacts that can vouch for their character.
This section should ask for reference names and contact information, although you can also allow your applicant to attach signed letters of reference directly to the application. You can also allow prospective renters to attach a rental cover letter or renter resume to add a little more depth to their application. If you decide to do this, add a note to the reference section that you’ll accept supplementary material.
Get a few extra details
Not all rental situations will need these extra bits of information, so you don’t have to include these sections in your rental application form if they’re not relevant, but it’s good to consider them.
Emergency contact
Having an emergency contact on file for your tenants is never a bad thing. While you don’t really need it this early in the process, it’s easy to work the question in here so it goes into the applicant’s file.
Ask for an emergency contact’s name, phone number and relationship to the tenant.
Other occupants
To make it easier to batch review applications, you should have people list any other occupants who will live in the apartment. This includes roommates and partners. This way, you can double-check you have applications for everyone.
Pets
If you have a property that allows pets, you’ll want to collect this information early. If you have any breed restrictions or limits on the number of pets, you can weed out applicants who don’t fit the bill.
Ask for pet type, breed, weight and age. Leave enough blanks for the total number of pets you allow, as well.
Vehicles
If your apartment has on-site parking available with the unit, you’ll want to know what vehicles will get parked on the premises. Ask for the make, model, color and year of each car, in addition to the license plate numbers.
Request permission for a credit and background check
This part of the application gets you to the next step in the screening process. Here, you’ll need to ask the applicant to give you permission to look up their personal information to run both a credit check and a background check.
Within this section, you can also collect relevant information such as:
Bank name
Bank address and phone
Checking account number
Credit obligations (loans) with a monthly payment
To get ahead of running these checks, also ask whether the tenant has ever:
Been convicted of a crime
Broken a lease
Declared bankruptcy
Been evicted
These are all potential red flags for renting, but don’t always mean an immediate “no.” Having a heads-up they’ll appear on the background check you’ll run is helpful. It also shows you this applicant is being honest about their past.
Sign on the dotted line
Rounding out any rental application form is the signature section. Start the section with a list of fees associated with completing the form and then both you and the applicant should sign and date it. The signatures will validate the document, but also serve as proof you’ve received the accompanying fee.
The application fee should cover specific costs — those of running both the credit and background check, as well as any administrative costs you’ll incur processing the application. This is not a way for you to make a profit on someone’s interest in the apartment for rent.
This section wraps up the application and confirms the applicant’s interest in the apartment. Now you can dig deeper to find out if they’re the right tenant for you.
A rental application form template
Just in case you want a ready-made rental application template, we’ve got you covered. Simply download our PDF or download our word document template and make edits as you need. Anything in italics is an optional section that might not apply to your property.
Are enough rental applications coming?
Now that you’ve got the right rental application form ready to go, the next thing to do is draw in prospective tenants. Make sure you’re finding the best potentials by listing your property in the right location. Go where the renters are looking!
By listing your property on Rent. you get access to in-market renters along with helpful reports to expedite your screening process.
The information contained in this article is for educational purposes only and does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional legal or financial advice as they may deem it necessary.
Home insurance is meant to protect your finances: your house, your belongings and your assets. But not all policies are created equal. What they cover depends on whether you own or rent, and whether the residence is a house, a condo or a mobile home.
Many homeowners insurance policies are based on a set of templates issued by the Insurance Services Office (ISO), which is why these templates are sometimes called ISO forms. (The Insurance Services Office is now part of analytics firm Verisk.) Although you may not see technical terms like “HO-3” or “named perils” when you’re shopping for a policy, knowing the different coverage types can help you better understand what you’re buying.
This guide breaks down the different types of home insurance policies to help you understand which policy is right for your needs.
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Named perils vs. open perils
Before diving into the different types of home insurance and what they cover, it’s helpful to understand how perils work. A “peril” is an event that can cause damage or loss to your home and your belongings.
Some parts of your home insurance policy may operate on a “named perils” basis, meaning you’re only insured against the specific events listed in your policy. Others may operate on an “open perils” or “all-risk” basis, meaning you’re insured against all events except listed exclusions.
Understanding what types of perils a home insurance policy covers is vital. Generally, open peril policies provide the most coverage.
Types of home insurance coverage
Standard homeowners insurance policies generally include these six types of coverage, unless otherwise noted in the policy:
Coverage type
What it does
Typical amount
Covers damage to the home and attached structures, such as a porch.
Enough to rebuild your home.
Covers stand-alone structures on your property, such as a fence or shed.
10% of dwelling coverage.
Pays to repair or replace stolen or damaged belongings.
50% to 70% of dwelling coverage.
Helps pay temporary living expenses while your home is being repaired.
20% of dwelling coverage.
Pays if you injure someone or cause property damage unintentionally or through neglect.
$100,000 to $500,000.
Pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
$1,000 to $5,000.
The most common types of home insurance policies
Insurance providers typically sell several types of home insurance policies, each of which offers varying levels of coverage. It’s important to read the details of your policy to understand what is and isn’t covered.
HO-1: Basic form policy
An HO-1 policy is the most bare-bones type of home insurance. It generally covers the physical structure of your house. It may sometimes include coverage for other structures, personal property, additional living costs and liability.
An HO-1 policy typically covers damage caused by these 10 named perils:
Fire or lightning.
Windstorm or hail.
Explosion.
Riot or civil commotion.
Damage caused by aircraft or vehicles.
Vandalism.
Volcanic eruption.
Even if an HO-1 policy is available to you, many homeowners opt for an HO-3 policy instead because it offers more coverage.
HO-2: Broad form policy
HO-2 policies are sometimes known as “broad form” policies because they cover more perils than HO-1 policies, but their coverage is still limited. In addition to the 10 perils covered by HO-1 policies, the HO-2 policy adds coverage for:
Falling objects.
Weight of ice, snow or sleet.
Accidental overflow or discharge of water or steam.
Freezing of plumbing, heating or air conditioning.
Sudden and accidental tearing apart, cracking, burning or bulging of certain household systems.
Sudden and accidental damage from artificially generated electrical current.
If a peril that damages your house or belongings isn’t explicitly named in the policy, the loss won’t be covered.
Some HO-2 policies also provide personal liability coverage.
HO-3: Special form policy
An HO-3 policy is the most popular type of home insurance. It’s known as a “special form” or “open perils” policy. It insures the structure of your home against all causes of damage except those specifically listed as exclusions in your policy.
Here are common exclusions:
Earthquake.
Power failure.
War and nuclear accidents.
Intentional damage.
Government actions.
Birds, vermin, rodents or insects.
Damage caused by your pets.
Smog, rust or corrosion.
Wear and tear.
Pollution.
Personal belongings like furniture, electronics and clothes are covered on a “named perils” basis. That means only damage caused by events specifically listed in your policy are covered. These typically include:
Fire or lightning.
Windstorm or hail.
Explosion.
Riot or civil commotion.
Damage caused by aircraft or vehicles.
Vandalism or mischief.
Volcanic eruption.
Falling objects.
Weight of snow, ice or sleet.
Accidental discharge or overflow of water or steam.
Sudden or accidental tearing, cracking, burning or bulging.
Freezing of plumbing or HVAC systems.
Damage due to artificially generated electrical current.
🤓Nerdy Tip
You’ll typically need separate flood insurance or earthquake insurance if you live in an area that’s prone to these risks, as they are not covered by standard home insurance policies.
HO-4: Contents broad form policy
An HO-4 policy is commonly referred to as renters insurance. It’s designed specifically for individuals who are renting a home or an apartment. The main purpose of this policy is to cover your belongings, not the building itself.
An HO-4 policy safeguards your stuff — like furniture, clothes and electronics — against the same 16 perils covered by an HO-3 policy. It also includes personal liability and additional living expenses coverage.
The actual building you live in is not covered under your HO-4 policy. It’s your landlord’s responsibility to insure the structure of the building and to have it fixed if it’s damaged.
HO-5: Comprehensive policy
An HO-5 policy is like the gold standard of home insurance. It’s also called a comprehensive policy because it typically offers higher coverage limits for personal belongings and personal liability than an HO-3 policy.
An HO-5 policy covers your personal belongings on a replacement cost basis. So if something happens to them, you get the amount it costs to replace them, not just their current depreciated value. In addition, an HO-5 policy covers your belongings on an open perils basis. It also provides coverage for loss-of-use and medical payments for others.
HO-6: Unit owners policy
An HO-6 policy is for condo owners. It’s often called “walls-in coverage” because it protects what’s inside your condo, like the floors, ceilings, walls and any renovations you’ve made. It insures against the same perils as an HO-3 policy and includes coverage for your personal belongings, additional living expenses and personal liability.
But here’s the catch — this policy doesn’t cover the entire building or common areas. That’s usually handled by your condo association’s insurance. You pay for this through your condo or HOA fees. Check what your association’s policy covers to avoid any gaps or overlaps.
HO-7: Mobile home policy
An HO-7 policy is for mobile homes. It includes coverage for your home, your personal property, other structures, loss of use, personal liability and medical payments.
Similar to HO-3 policies, HO-7 policies work on an open perils basis for your mobile home’s structure and a named perils basis for your belongings. Read more about mobile home insurance.
HO-8: Modified coverage policy
HO-8 insurance is for homes more than 40 years old where it might cost more to rebuild than the house is worth. This includes historic houses or ones built in unique ways.
HO-8 insurance covers your dwelling and personal property on a named perils basis. Instead of paying the full replacement cost for damages to your home’s structure, an HO-8 policy typically reimburses the actual cash value. This means it pays you what your home is worth in cash at the time of the claim, not what it costs to rebuild.
HO-14: Contents comprehensive policy
The HO-14 policy is an advanced version of the traditional HO-4 renters insurance. Unlike the HO-4, which covers named perils, the HO-14 operates on an open perils basis, meaning it covers all risks unless they’re specifically excluded. Also, while the HO-4 provides actual cash value coverage, the HO-14 insures your items at their full replacement cost.
HO-14 insurance may come with unique features like coverage for home-sharing activities, a $500 allowance for bed bug treatments and a $300 provision for hard drive data recovery.
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The difference between HO-3 and HO-5 policies
Both HO-3 and HO-5 policies cover your home’s structure, personal belongings, liability, medical payments and additional living expense coverage. The big difference is how they insure your belongings.
HO-3 policies use open perils for the house’s structure but named perils for personal belongings. If the policy doesn’t specifically exclude a risk for the house, it’s covered. But for belongings, it only covers listed events.
HO-5 policies are more comprehensive. They use open perils for both the home and personal belongings, covering all risks unless specifically excluded. Because HO-5 offers broader coverage, it’s often more expensive than HO-3.