NEWS & TIPS

A lot of renters assume their landlord’s insurance has them covered, but that’s not the case. If you’re renting a place, having your own renter’s insurance can save you a ton of hassle and money. Here’s why it’s a smart move.

1. Protect Your Stuff

Your landlord’s insurance only covers the building, not your personal things. Renter’s insurance helps cover your stuff if it gets stolen, damaged, or destroyed by things like fires or leaks.

2. Liability Coverage

Accidents happen. If someone gets hurt in your place and decides to sue, renter’s insurance can help cover their medical bills and legal fees.

3. Helps with Temporary Housing

If your rental becomes unlivable due to a disaster, your insurance can help pay for a hotel or another place to stay.

4. It’s Super Affordable

Renter’s insurance usually costs just a few bucks a month, but it can save you thousands in the long run.

5. Peace of Mind

Knowing you’re covered if something goes wrong makes life way less stressful.

At the end of the day, renter’s insurance is a small price to pay for a whole lot of protection. It’s worth looking into if you don’t already have it!

It was recently announced that Healthy Kids Running Series has found a place in Hinesville. The program is a national, inclusive, and fun five week youth running program led by dedicated local Coordinators, where all kids celebrate their success and develop an active healthy lifestyle. 

https://www.facebook.com/hkrshinesvillega

https://healthykidsrunningseries.org/find-a-race/

The City of Hinesville has partnered with a private developer to build 31 detached townhomes on Court Street in Hinesville. This project will allow residents classified as low-to-moderate income to purchase individual units, with a limit of one unit per resident in an effort to avoid investors from purchasing the units. 

The project will be funded by a combination of city funds and a grant for nearly $1.1 million. The design phase will be estimated at 5 months with an additional 18 months build time. More information can be found in the Costal Courier.

https://coastalcourier.com/news/court-street-housing-project-getting-push/

Becoming a landlord can be a rewarding investment, but it also comes with responsibilities and challenges. Whether you're renting out a single property or multiple units, here are five key things to keep in mind to ensure a successful experience.

1. Understand Landlord-Tenant Laws

Each state and city has specific rental laws governing leases, security deposits, evictions, and tenant rights. Familiarize yourself with these regulations to ensure compliance and avoid legal issues.

2. Screen Tenants Thoroughly

A reliable tenant can make all the difference in your rental experience. Conduct background and credit checks, verify employment and rental history, and require references to minimize potential risks.

3. Maintain the Property Regularly

Keeping the property in good condition not only ensures tenant satisfaction but also preserves its long-term value. Schedule routine maintenance, address repairs promptly, and comply with safety standards.

4. Have a Clear Lease Agreement

A well-drafted lease protects both you and your tenants by outlining rent terms, maintenance responsibilities, policies on pets, and other essential details. Make sure the lease is legally sound and agreed upon before signing.

5. Plan for Unexpected Costs

Being a landlord involves expenses beyond the mortgage. Budget for maintenance, repairs, property management fees, and potential vacancies to avoid financial strain.

By keeping these five factors in mind, you can create a smoother and more profitable rental experience while minimizing potential headaches.

Receiving Permanent Change of Station (PCS) orders can be both exciting and overwhelming. Moving to a new duty station involves careful planning and organization. Here’s a step-by-step guide to help make the transition smoother.

1. Review Your Orders Carefully

Once you receive your PCS orders, read them thoroughly to understand your reporting date, location, and entitlements. This will help you determine your next steps.

2. Contact Your Transportation Office

Your base’s transportation office can provide guidance on moving options, including government-arranged or personally procured moves (PPM).

3. Create a Moving Timeline

Develop a timeline that includes important dates such as packing, moving company arrangements, housing searches, and travel plans.

4. Budget for Your Move

Understand your entitlements, such as dislocation allowances and travel reimbursements, to plan financially for the move.

5. Research Your New Duty Station

Gather information about the new location, including housing, schools, medical facilities, and local amenities.

6. Secure Housing Early

Whether you’re considering base housing or renting off-post, start your search early to avoid last-minute stress.

7. Notify Necessary Parties

Update your address with banks, insurance companies, utilities, and subscription services to ensure a smooth transition.

8. Organize Important Documents

Keep personal and military documents like orders, passports, medical records, and financial statements easily accessible.

9. Prepare for Travel

If traveling by car, schedule necessary vehicle maintenance. If flying, book tickets early and confirm travel allowances.

10. Stay Flexible and Adaptable

PCS moves can be unpredictable, so maintaining a flexible mindset will help reduce stress and ease the transition.

By following these steps, you can navigate your PCS orders with confidence and ensure a smooth relocation for you and your family.

Finding a new rental home can be both exciting and overwhelming. Whether you're moving for work, school, or just looking for a change of scenery, making the right choice requires careful consideration. Here’s a guide to help you navigate the process and find the perfect rental for your needs.

1. Determine Your Budget

Before you start searching, establish a realistic budget. Experts recommend spending no more than 30% of your monthly income on rent. Be sure to factor in additional costs like utilities, internet, renter’s insurance, and parking fees.

2. Choose the Right Location

Consider your daily commute, proximity to work or school, and access to public transportation. Research the neighborhood for safety, amenities, and convenience to grocery stores, restaurants, and entertainment options.

3. List Your Must-Have Features

Make a list of non-negotiables, such as the number of bedrooms and bathrooms, pet-friendliness, in-unit laundry, or a balcony. Prioritize your needs over wants to help narrow down your options.

4. Start Your Search Early

Great rentals get snapped up quickly. Start your search at least a month in advance to give yourself enough time to explore different options, schedule viewings, and negotiate lease terms.

5. Visit and Inspect the Property

Whenever possible, visit the rental in person. Check for signs of maintenance issues, such as leaks, mold, or faulty appliances. Take note of storage space, natural lighting, and noise levels in the area.

6. Understand the Lease Agreement

Carefully read the lease terms before signing. Pay attention to clauses regarding the security deposit, lease duration, rent increases, and maintenance responsibilities. If anything seems unclear, don’t hesitate to ask the landlord for clarification.

7. Consider the Landlord and Management

A good landlord can make a big difference in your rental experience. Research reviews of the property management company or talk to current tenants about their experiences with maintenance requests and responsiveness.

8. Be Ready to Apply

Once you find the perfect rental, act fast! Have your application documents ready, including proof of income, references, and a copy of your credit report. Some landlords require an application fee, so be prepared for that as well.

Final Thoughts

Choosing the right rental takes time, research, and planning. By setting a budget, knowing your must-haves, and carefully reviewing lease agreements, you can find a home that suits your lifestyle and needs. Happy house hunting!