So, you don't have spend extra money to operate your AC or even your heater! 5. Use the necessary precautions A second expense that you may not have thought about is an insurance plan for your apartment. A majority of landlords will have clauses in their lease agreement that stipulates that tenants must have insurance coverage to protect your apartment from flooding or fires. This can also include earthquakes that occur in states like California. Home insurance is cost-effective. It is priced between $15 and $25 each month, contingent on where you reside. It's well worth the tiny cost of insurance for your home. Insurance is available to cover you for vandalism or theft even while it's probably not essential. In gated communities, apartments or locked buildings are susceptible to burglary and theft. It is a smart idea to protect any valuables that you own, such as artwork, jewelry or cash. This protects you in case those items are or stolen. Inquiring with an insurance provider prior to the time you take possession of your new home can assist you to get a quote on the price. The best plan to choose is alternative if you meet the minimum insurance requirements of your landlord. 6. Know What Your Landlord Will Do for You In the past, your landlord could suggest you pay certain utilities for yourself or include them in your rent payments. Also, landlords can be accommodating when it comes to the services they can provide to the tenant. Be sure to read your lease contract carefully and ask for copies. This will ensure that you are aware of the specific services your landlord provides for youor in any other situation where you have to make a payment out of your pocket. / .