#renters vs landlords

[if-you-fan-a-fire]

Happy to be a member of the Kingston Workers History Project in Kingston, Ontario. I've neglected to share some of the articles we are putting out, so here's one on tenant activism in the 1960s and 1970s:

"In 1968, a group of tenants and activists came together in Kingston to form the Association of Tenants Action in Kingston (ATAK). They opposed high rents, argued that tenants should be able to bargain with landlords, and built a wider movement to defend working class and poor people in Ontario against unjust housing conditions. Led by tireless activists, ATAK used diverse tactics to challenge rising rent prices, low vacancy, and hostile landlords. ATAK provides us with an important historical lesson about the effectiveness of grassroots organizing and the dedication of intelligent, diligent leadership to hold governments accountable and advocate for tenants, workers, the poor, and the unhoused."

- "ATAK: Tenant Action in the ’60s and ’70s," Kingston Workers' History Project. November 27, 2022.

[hyper-pixels]

How to Grow Up

A guide on how to grow up. It was originally posted by @/friendliness but half the links were broken. So I took what links weren't broken and added other links and more things to know.

This is USA based resources

Personal

Reasons to Stay Alive – A Tumblr post of 116 reasons to stay alive by @/friendliness.

How to Get Better At Asking for Help – Website is Harvard Business Review. The article is “5 Ways to Get Better At Asking for Help” by Wayne Baker.

What to do if you Can’t Afford Therapy – Website is Psych Central and the article is by Steven Rowe.

How to Quit Smoking – “The 22 Best Ways to Quit Smoking” by Debra L. Gordon and David L. Katz M.D. from the Healthy Digest.

How to Legally Change your Name – Website is Forbes.

Wanna Learn Something New? – A Tumblr post made by @/hamletthedane with various new things to try from language learning to ballet.

Free Harvard Courses – Harvard University’s free online courses.

Getting a New Computer? – A quick and dirty comprehensive guide by WIRED on what to look for.

How to Sew – Website is Autodesk Indestructibles. The article is “How to Sew” by Jessyratfink. Having a small sewing kit (that you can pick up from nearly any craft store) is super handy and has saved my life and clothes.

What to Look For in Clothes A YouTube video by Alyssa Beltempo titled “How to Identify High Quality vs. Poor Quality Clothing | Slow Fashion”. Here’s a WikiHow [x] if a YouTube video isn’t your style.

Dealing with Executive Dysfunction – A Tumblr post made by @/compassionatereminders. It's a list to more links on how to deal with executive dysfunction.

Another List Like this One – A Tumblr post made by a now deactivated account. It's a list much like this one.

Home

What’s a mortgage? – Website is realtor.com and the page is called “What is a Mortgage? Home Loan Basics Explained” by Cathie Ericson.

First Apartment Checklist – A checklist PDF. Here’s another link to a Tumblr checklist [x] 

What to Ask Landlords Before Renting? – “25 Questions To Ask a Landlord When Renting a Home” by Morgen Henderson.

What’s Renter’s Insurance? – Website is Forbes Advisor. The article is by Jason Metz and titled “How to Get Renters Insurance”.

Plant Care – A master list of how to care for plants made by @/difficults

Job

Time Management – Website is Entrepenuer and has 10 time management tips. One I personally recommend is keeping a physical calendar book on hand. I keep mine in my bag with a designated pen.

Finding the right job – Website is The Muse and it has 13 free career assessment tests.

Make a resume – Website is Resume Now. Many hirers look at your name, the middle of the page (where your experience list is) and skim the rest.

Job Interview Tips – Website is Linkedin. The article is titled “10 Job Interview Tips to Land The Career of Your Dreams” by Caren Merrick.

How to Write a Cover Letter – Website is The Writing Center. University of Winsconsin, Madison. It’s titled “Writing Cover Letters” and I can’t find the author.

Money

Couponing! – Website is Coupon Database :: Southern Savers. It has a list of mobile apps for coupons to places.

Call 211 for Help – the website leads to 211.org. It's anonymous and can help you get connected to food programs, paying bills and things like doctor appointments. Here’s a Tumblr post about it [x] by @/poessionisamyth

Groceries! – This is a Tumblr meme post, but scrolling through tags/reblogs/replies and there’s plenty of good tips. The post is by @/charlotten

What To Do if You Can’t Pay Your Bills – Website is Nolo. The article is “When You Can’t Pay Your Bills: Thiings To Know” that was updated by Amy Loftsgordon. 

Are You Paying Too Much for Your Phone Bill? – An article by Beht Beverman titled “How Much is Too Much to Pay for a Cell Phone Bill?”.

54 Ways to Save Money – Website is America Saves.

How to Do Taxes – Website is Wiki-How.

The 70/20/10 Method – Website is Business Insider. The Article is “A Beginners Guide to the 70-20–10 Budgeting Method” by Paul Kim.

Side Hustle Ideas – Website is Forbes. “30 Side Hustle Ideas To Make Extra Money In 2024” by Krista Fabregas.

Emergency

Your Rights When a Cop Pulls you Over – Website is Business Insider. Cops are allowed to lie to you, and they will, so be careful.

Hotline List – The website is DoSomething.org. Depression/Suicide, domestic abuse, child abuse and runaway/homeless/and at-risk youth hotlines.

What to Keep in Your Car – Website is MentalFloss. I live in a snowy area that gets blizzards and bad ice. I keep blankets, water and other aids in my car as well as a knife and road flare. I also own a self jumping car battery and it has saved my ass more than once. Heimlich Maneuver – A one minute video by the Mayo Clinic.

The Heimlich Maneuver on Yourself – A one minute video by The List Show TV.

What to Keep in Your Wallet – Website is PureWow. The article is by Rachel Bowie. Keep your drivers license, medical insurance card, and an emergency contact in your card. If you have a pet home alone make sure that you have a card detailing this. Free printable one here [x]

Traveling

Packing List – Website is Smarter Travel.

Traveling with Little to No Money – Website is Nomadic Matt.

How to Pack a Suitcase – Website is Real Simple. The article is by Thersa O’Rourke.

How to Apply for a Passport – Website is WikkiHow.

Making a Travel Budget – Website is Travel Made Simple. “How to Make a Travel Budget” by Ali Garland

[eightyonekilograms]

What are the left-NIMBYs' policy positions? What are the YIMBY policy positions? I mean I know what they are in a broad sense (more regulation on constructing housing vs. less), but I'm curious to know in more detail. Obviously some regulation is good (living in California, I'm glad there are standards for earthquake safety), and some is bad (I'm generally against single-use zoning for a bunch reasons you probably agree with). The basic supply and demand stuff and how it affects the cost of housing is obvious enough to me, but the weeds of how specifically regulations should be changed in light of this seems like a more complex issue.

I don't identify as either a NIMBY or a YIMBY; this discourse is somewhat foreign to me, but I probably have some mixture of NIMBY-sympathetic and YIMBY-sympathetic positions, and I'm interested in getting a better picture of the details of the debate from someone who clearly knows a lot about it.

Also as an aside, if you have any good sources of information you can recommend on the present state of housing policy in San Francisco, and/or how it's changed over the years, I'd be very interested in them.

At least from my POV, left-NIMBY policy prescriptions generally seem to fall into one of three camps (arranged from least to most radical):

non-zoning regulatory updates to try and make housing more affordable; the canonical example being adding low-income requirements to new housing developments

large expansions in government-funded housing projects, possibly to the point of having all housing construction be government-funded

"housing can't be fixed until we abolish capitalism"

Each of these has a flaw, although they need to be analyzed separately.

The people in camp 1 are well-intentioned, but unfortunately in practice they are useful idiots for the people who want less housing to be built (landlords, homeowners who want to Preserve the Neighborhood Character, the aforementioned BlackRock investors from my original post, etc.). Those people know full well that the actual effect of attaching more requirements to new housing construction is that less new housing (of all kinds, low-income, high-income, etc.) gets made, because projects which were just-barely profitable get pushed into being unprofitable, and so they don't happen. Obviously individual cases vary, but in general, if you say "you can't build those 50 new housing units unless you also add 15 low-income units in that development" is not that you get 50 market-rate units and 15 low-income units, but that you get zero new units. Which helps nobody.

This is one example of a depressingly common pattern where left-NIMBYs unfortunately make it very easy for themselves to get played like a fiddle by people who say they have the interests of low-income renters at heart, but absolutely do not. As I said, the sorts of "wealthy suburban single-family homeowners" who go to their community meetings and demand that new construction include low-income unit requirements are doing that to murder low-income housing, but because it's an invisible murder (since the development simply doesn't happen), those homeowners with their In This House We Believe signs can keep saying they want to help the poor get housed, while guaranteeing that won't happen.

With camp 2, in general it seems to me like a lot of them aren't paying attention to what YIMBYs actually say, and instead have built up a strawman in their mind of YIMBYs as diehard anti-government libertarians. Some of them are, but most YIMBYs— myself included— do want more government-funded construction and think it definitely should be a part of a comprehensive solution for housing affordability.

The issue is, if you want government-funded housing, the government still needs to pay for the land, and the construction. And if land and construction are more expensive than they could be because of limited supply and burdensome, then the government has to pay more for this housing, and gets less for its money. I know a lot of left-NIMBYs tend to scoff at fiscal/budgetary constrains, but they are a real thing, if only because eventually you'll get voter revolt, and if you have X dollars of taxpayer money to spend on new housing construction, it would surely be better to make that X dollars go as far as possible and build maybe 5,000 units instead of 1,000. This is a case where the libertarian and socialist views do not need to be opposed and can in fact work in concert: the more land reform you have, the cheaper land gets and so the more bang for you buck you get. So even if you are a Camp 2er, you should support YIMBY policy reforms anyway.

The people in camp 3, well... I wanted these posts to be as factual and non-ideological as I could, but at some point there's no getting around the fact that camp 3 is delusional. We're not going to abolish capitalism, at least not any time in the foreseeable future. It could happen in succeeding decades, but in the meantime, wouldn't it be nice if people could have an affordable place to live now? Note that there are differences in housing affordability across areas, based mostly on to what extent they have YIMBY-like policies in place, so the claim that only abolishing capitalism can help seems empirically wrong. (And if the response to that is that helping people now is bad because it would delay the revolution, that's when I start yelling and pounding on my keyboard again. Accelerationism is fundamentally a monstrous, evil ideology, gleefully throwing people under the bus for the sake of a fantasy world).

[dollsonmain]

For people that missed it (@giraffeseatingcake), because it's on my mind again, the Tina Dollyhair thing to the best of my ability to remember which we all know is not great and of course I didn't keep links to everything. I could probably find them again but you know, I don't want to. Google it yourself.

I don't know why I started looking into it again. Maybe someone mentioned Tina's supposed death somewhere, or maybe someone mentioned Ida taking over and it got me curious. I don't remember.

Anyway, we never found a public death notice or obit for Tina and that makes sense since obits aren't posted unless a family member pays for one to be printed. I didn't know that before.

What I did find was mention of Heidi with a different last name. IIRC it was through public records, I started noticing clusters of names that were showing up together often across different public record aggregation websites. Tina Amuntula/Kristina Amuntulla/Kristina Miller, Heidi Amuntulla/Heidi with a different name, and Steve Amuntula/Amuntullah who also has a different first name but I've forgotten it. He goes by Steve publicly in the US.

There was also some sort of hint that Heidi was in television or the movies in some capacity which made me wonder if there was an IMDB profile for her. There was! Then I looked her up on wiki and found that Heidi OTHERNAME was also named Heidi Amuntullah.

Also checking the ownership history of DollyHair showed that Steve's other name was registered as owner for some time.

Going around and around in circles with public residential and business records put the whole family together.

That was the first time I'd had anything even close to proof that Tina's Sister Heidi actually existed.

How this led to finding out that Tina apparently really did die is that searching about Heidi and Steve Amuntullah brought up a series of documents about a court case brought against the two of them by Melanie Chan.

I did keep a link to one of the documents but not everything else tying this document to Tina Dollyhair because of course.

Anyway, it's here:

In that document it says:

The FAC alleges that Plaintiff’s landlord, Kristina Miller, passed away in August 2020. (FAC ;41.) Defendants being decedent landlord’s father and sister are inferred to be heirs or successors-in-interest to decedent landlord.

Melanie Chan was suing the Amuntullas for wrongful eviction after Tina died, saying they didn't give her enough warning to be able to find another place to live before changing the locks on her. Heidi and Steve took ownership of Tina's house and wanted to sell it. It's recorded either in this document or some of the others that Tina was letting Melanie live in her upstairs for rent without any sort of official lease.

That's basically it.

Tina really died in 2020 (not any of those other times she said she died before), Heidi does exist and both Heidi (Tina's sister) and Steve (their father) took ownership of Tina's house, kicked out her unofficial renter, got sued for it, won the lawsuit, and sold the property.

As for Ida claiming to not know the family or not knowing any of the drama behind the DollyHair shop, she's mentioned in that document, too.

Plaintiff’s reliance upon the allegations regarding “Ida,” an employee of Heidi, is uncertain to allege a trespass in that it is only alleged that Ida entered the “house” and not specifically her “upstairs guest apartment.”

It could be a different Ida.

She could have somehow not known, I guess. It's possible she worked for Heidi without knowing anything about Tina or DollyHair and Heidi was like "Hey, you want this business because I don't...."

So, it's possible.

Either way, I do hope DollyHair as a company can build a new, better reputation with good customer service and not shorting people on their hair orders, now. They do have some hair colors that aren't available elsewhere and DollyHair has the widest selection of fibers as far as I know.

[thessalian]

Thess vs Cruelty As The Point

So, okay. This is the point at which I really have to stay away from the news for awhile.

Story I caught on the BBC. Woman, 56 years old, gets told by her landlord that she's being evicted. Why? Well, technically there doesn't even have to be a reason. It's called "no fault eviction", and while a Renters' Reform Bill was signed off last week, the abolition of no-fault evictions (which was promised to us by Michael Gove) was sort of postponed indefinitely. Anyway, the reason he gave was "I want to bring this place in line with the fire code", but ... I mean ... shouldn't it have been already? And even if it wasn't, couldn't he have just ... got her to stay in alternate lodgings for a few months while he fixed it? My thinking is that he pulled something that sounded less like greed out of his arse, and his actual plan was to slap on a coat of paint and put it back on the rental market at way more than he was getting from this lady.

Anyway. This lady is obviously distraught. She can't afford a deposit and first month's rent on a new place at this point. So she turns to her local council. See, that's how it's supposed to work. If you are in real need of housing, you are supposed to be able to apply for council housing. Thing is, Margaret Thatcher gave everybody the right to buy their council house / flat from the government ages ago. Which you'd think would be good, because everyone deserves to have a secure permanent home, buuuuuut ... she kind of didn't build any new ones to replace the ones that tenants bought. So there are very, very few council properties available, and so the queue to get one is hugely long. However, if you have sufficient need, you can get nudged to the head of the queue ... if the bean-counters at the council office agree that you have sufficient need. And their criteria is ... well.

This woman who'd turned to the council as her last hope got a letter in return, just before her actual eviction date. And it said, and I am not paraphrasing here (at least not any more than the BBC did), "We have determined that you would tolerate being made homeless or remaining homeless, and are therefore not a priority." And thus they turned her down.

They determined that a 56-year-old woman would be fine literally sleeping on the streets, and turned her down without any kind of listing of where else she might be able to receive help.

The BBC and several others called the council on this absolute horror, and are also checking with others in that council to see what kinds of letters they got. The council's response was effectively, "We could have worded that better, and will take care to do so in the future, but she really wasn't a priority".

This country makes me fucking sick. Like, literally. I had a massive discount on an order from my favourite Indian place that I needed to use, so I had my favourite Indian meal, and now I'm not sure I will be able to keep it down, because the sheer fucking cruelty of so much of the leadership of this country is literally making me want to throw up.

I can't even think what would cheer me up at this point. Suggestions on a postcard, please; I can't take the absolute sickening despair of living in a country that so actively wants people to suffer and die.

Oh, if you also want to be depressed? The article.

[pcttrailsidereader]

Which Do YOU Have?

As we look back on 60 years since the passage of the Wilderness Act and the half century plus of a recognized Pacific Crest Trail it brings to mind a concept a friend shared with me recently. As we were talking the idea of a renter's mentality vs. an owner's mentality came up. This is a concept that has numerous applications to be sure. Using the context of the PCT I found this concept really struck a chord with me.

I have, and maybe you have too, heard the tales of clusters of TP just off the trail and near campsites along the PCT. You have probably also heard about the proliferation of campsites that are not in designated areas or too near sensitive ones. Many of us have heard the phrase, "We are loving this, that, or the next thing to death." Is it love or something like not caring near enough?

Many people venture out and walk all or parts of the PCT every year. Since the publication of Cheryl Strayed's 'Wild' the numbers have exploded into what is referred to as "the Wild Effect". For so many it is the beginning or a continuation of a love affair with nature and the out of doors. So much so that it could be likened to the birth of an owner's mentality.

Having an owner's mentality informs the way one chooses to treat and respect something important enough to recognize its value over the long term. There is a felt investment in the overall care and wellbeing of this entity. Obviously the Crest trail is an eco entity. It lives, breaths, and reflects an importance for preserving and protecting. No, you and I, if you claim any kind of ownership to it, don't hold a deed or bill of sale. What we do have is a collective set of memories, feelings, and experiences that give us the agency to respect it like we are owners. To recognize its value and treat it with respect and loving care.

Renters, on the other hand take a different view. They have little to no investment in the upkeep and well being of the PCT. They happily have used it, made memories, had experiences on it, and not had any kind of mindfulness for its long term value to the next person or generation. A renter's mentality is at best, short term. Being short term it makes little to no difference how one leaves it. Someone else (the 'landlord') will fix it. A renter's mentality is not hard to understand it is just challenging to accept.

For a dedicated thru or even section hiker there can be a 'one and done' approach to walking the Pacific Crest Trail. For more and more people it is a third of a 'Triple Crown' experience. To me, that is fantastic. What an accomplishment! It is especially fantastic if we embrace the owner's mentality. Some of us may never set foot on the PCT ever again but it remains, stretching from Canada to Mexico and Mexico to Canada. The PCT doesn't disappear if enough owners claim it as their own. As owner's we sing the praises of a PCT experience. We hold dear the sights and sounds we encountered on the trail. We acknowledge the strangers that became our friends and friends that became our brothers and sisters. Owners take responsibility for the longterm health and upkeep of trail. Owner's hope to pass it on and on and on.

As owners we can't control for fires, droughts, floods, etc. but we can convey to anyone who wants to listen and see that ownership is not exclusive. All that is required is some basic caring with a dose of thoughtfulness thrown in. So, which do you have? A renter's or owner's mentality? You can go from owner to renter and renter to owner without much effort. It lies in your willingness to or lack of willingness to step up or out for the PCT. Which do you have?

Oregon PCT

[reikiajakoiranruohoja]

I have ranted about this before, but the landlord post really made me remember why this aspect of Tumblr annoys me so much. WARNING: Extreme Adulting talk.

To put it simply, a lot of people on Tumblr seem to live in this limbo where they focus on survival and short-term goals only. While I understand most of this is due to so many US LTGBAQI people here who are young and reliant only on their own paycheck, this kind of thinking is not good long term. I do not mean that one's social class will change (but it might!), I mean one's social role will. Unless you die young, which is a possibility I admit, you won't be a 20-something poor amateur digital artist forever. Life happens, you might get a lucky or unlucky break, You might inherit property, you might get married, you might find a better job and so on. Even if you try, you will not remain static because the world around you will change. You will have to adapt to a new way of living, whether good or bad. Most importantly; You won't always be the underdog. You won't always be the victim or the weakest. One day you will hold power over someone, whether simply by being older or with actual status over them. And, as the saying goes, power reveals. I say this because there are a lot of abusers, shitty bosses, etc. who still see themselves as the underdog and so what they do to others is justified in their mind. That is how shitty landlords come to be, someone inherits property/land and starts renting it. It is cheaper to not fix anything and instead invest in more poor-quality housing. Then they give these shitholes to their children and their kids continue the monetary abuse. But at any point, the landlord can choose differently. They can focus on upkeep, and they can focus on the livability of the apartments.

The difference between these two is how one treats and wields power. Shitty landlords focus on their own profit and security. Those who aren't shitty don't rely on their renters to finance them and focus the rent money on upkeep. Making broad assumptions about a person if they have been a landlord without doing any research is not helping anyone. In fact, I'd say it is doing the opposite. While I focused on landlords in this essay, this sort of simplified us vs them mentality is common on Tumblr. It is bad, because it paints the 'us' as a static young adult progressive underdog and the 'them' as the older people with more power and more conservative views.

This means that the 'us' never really give thought to any long term goals or have personal plans for the future. Instead, most plans are vague and global. As clichè as the question is, sometimes you have to ask where DO you see yourself in five years? And you should have an answer other than 'dead.' Dead is the worst case scenario, not something to count on. Because if you live your teens and young adult years thinking you will die soon anyway so the future doesn't matter, you may wake up one day and realise you -didn't- die and now you have no idea how to spend the rest of your life. Be prepared to have power, have goals, have dreams and please have intentions of living past 25.

[hasdrubal-gisco]

to those of you not following czech talkshows/twitter, a few days ago máte slovo had a landlords vs renters debate on how to legislatively solve housing issues (three panelists for each side plus an amalgam of like fifteen extras for each side to chime in) and the renters were represented by known twitter user zlatá rybka and minister of something, ivan bartoš (whom i have played mtg with and he's very unpleasant, on top of the unpleasantness implied by his appearance and politics) and it's permeated the zeitgeist so thoroughly that analysts in the national bank with 17 twitter followers are chiming in to provide data for people's unending slap fights

[newtafterdark]

Hey! I'm not sure how different the laws are in Germany vs the US, but you really, REALLY should look into your rights as a renter. Typically in the US, a repair so severe that it essentially renders you homeless is something that legally MUST be fixed by the landlord, or in the case where the landlord is refusing, you would hire the repairman yourself and (if it comes down to it) take your landlord to court over the bill, since it IS their responsibility to maintain the property. Like I said, I'm not sure if it's different in Germany.... but that feels like something that should be a thing, to some degree. I'm glad you're safe for the time being, at least.

It's pretty much similar over here - I looked into it a couple of times for various things my landlord has failed to do throughout the years.

He walks in a grey zone with how much time he can take with approaching repairs. As far as I can tell, there isn't a legally binding time frame for certain things, but especially with what I had to deal with he should've fixed that within 4 days. And not stay on holiday for a whole damn week.

I could've called a repairman myself, yes, but I was genuinely too shocked for a bit that my landlord really just left me to deal with it all on my own. I think I would've considered calling a guy tomorrow though, if I hadn't managed to fix it tonight. ("Fun" fact, I did the repairs past-midnight my time. I am tired.)

I think that man genuinely thinks he's above the law on so many levels because his main job is also being a cop. No, I am not joking. I somehow got myself the worst dual-type guy to pay rent to.

I might consider paying a bit less rent this month, because I am legally allowed to do so. Though I will double-check that before I do, just to be safe.

[g4rchomp]

Canada and the US have similar ratios (with the US having slightly more renters) that's why I'm putting them together here. reply is under the cut

it's actually 35% rent and 65% own!! I was really surprised because I definitely expected it to be much, much closer lol I thought everyone was renting 😭

A few articles for Canada: [x] [x] [x]

And for the US: [x] [x] [x]

[corundumb]

Professional cleaner and cooking lover here!

Use dish soap and a sponge for cleaning your bath tub/bathroom tile walls. It's cheaper and SAFER than using chemicals.

Go to Goodwill often for pans, plates, glass cups, etc. Just clean them well and you'll have enough for what you need, however INSPECT them thoroughly. If it's ceramic, even a little cracking in the finish is enough to reject the item.

Barkeepers Friend is the BEST cleaner for very dirty items, ranging from stainless steel to glass. Beware, it's abrasive.

Have two sets of rubber gloves- one for cleaning, one for dishes. Make sure they're different colors!!!

I cut a corner off of sponges for when they're not for dishes. Makes things easier to identify.

CONSUME DENTED CANNED GOODS FIRST. ANYTHING DENTED CAN CAUSE BACTERIA TO GROW INSIDE OF THE CAN OVER TIME. If you're really unsure, just don't eat it.

When looking at new recipes, compare the number of stars vs number of reviews. Why trust fifty people over a few thousand?

Pick a veggie you've never cooked with before, start looking at what specifically uses that veggie. Experiment for like a week.

Have a notebook in the kitchen, copy recipes you like. Bonus points for adding the average cost.

Vinegar + baking soda in a bag, use a rubber band to secure, your faucets should run better. Including shower head. Unscrew your faucets once a year to clean, sediments gets caught in it.

Clogged sink? Sometimes just pouring boiling water is enough. Sometimes not, you'll have to purchase a drain snake. Avoid washing products like sugar scrubs down your drain, and flushable wipes don't disintegrate they're bad for your pipes they'll clog.

Have different colored rags for different cleaning chemicals/surfaces. Do not wash these rags with anything else, they need their own cycles. Have specific rags for in the kitchen to dry your hands while you're cooking. It's extremely important to wash your hands during the process several times.

HAVE ONE CUTTING BOARD SPECIFICALLY FOR MEAT, EVEN BETTER ONE FOR EACH TYPE OF MEAT TO PREVENT CROSS CONTAMINATION. HAVE ANOTHER CUTTING BOARD FOR FRUITS/VEGGIES ONLY. I cannot stress this enough.

Powdered laundry detergent is cheaper, to prevent bleached spots on clothing premix the powder in some water then add into the laundry machine. DO NOT LEAVE WASHER WITH LID CLOSED UNLESS YOU LIKE MOLD/MILDEW. Most manuals will tell you to leave the lid open so it can dry from the inside properly.

Do laundry on a specific day every week. It helps to have a specific podcast or show you like to watch, only listen/watch it when doing laundry as a motivator/reward.

Once a year, have your landlord check the lint exhaust pipe from your dryer. If your dryer isn't drying very well this may be the reason. IT'S A FIRE HAZARD IF IT'S NOT CLEANED OUT.

**IMPORTANT** ALWAYS take pictures pictures of literally everything at any angle when you first move in/out. Shelves, tops of the shelves, inside of the dryer/washer, anything you can see inside and out. Scummy landlords have many tricks to claim you did damage they did after you moved out. ALWAYS protect yourself. Nobody is your friend in the apartment world. Be wary having room mates, even if they're friends. I've personally been horribly scorned by a friend turned room mate. Also, always look into your RENTERS RIGHTS for your state, and if one party consent regarding recording conversations is in your state.

You can remove and clean the trap for the air vent above the stove, I soak mine in the vinegar+baking soda combo. Check this regularly.

You know those Pumice stones ads will tell you to use on your feet? GOOD NEWS EVERYONE! They're great for Glass, Porcelain, and the inside of your ovens! DO A TINY TEST SPOT FIRST because it can scratch your shit up baaaaad. But if you have hard stains, such as on your glass stove, in your oven, and TOILETTE it's a life saver.... just, please, ffs keep the toilette one separate from everything else!!

It's important to take a bit of time for yourself, don't allow chores to build up to the point where it'll take an entire day to deal with it over five minutes. Start small like with the bathroom mirror, you'll gradually progress.

Vacuum, dust, mop, and sweep more often than you think you need to. Work from top to bottom.

Most stoves have this feature where you can lift the flat part on top to clean underneath from overboiled food stuffs. Do this unless you want cockroaches.

Degreaser helps clean the inside of fridges so well! If you must clean the freezer.... have this be a 'moving out' task, unplug the fridge and let that shit thaw, have towels ready for the melted ice and then use the degreaser.

MAGIC. ERASER. Use this for baseboards (that trim on the bottom of your walls), wall stains from your hands, cabinets and whatnot, just please wear gloves this stuff RUINED my hands when I didn't. It's way more abrasive than you think and I managed to accidentally strip paint off of the walls and stripped the sealing in the bathtub so be careful.

Use your vacuum tube extension where the base of the wall meets the edge of the floor, it does more than you think. You can also use this tool to 'dust' the baseboards.

If you're cooking something, and there's time you're waiting for something to boil or whatever, take that time to prep other veggies and foods to make the next meal that much easier.

Go to Asian Markets, buy rice in their biggest bags. It's cheaper over time, just store the open bag in a big ol tub that doesn't have holes to prevent bugs. Unless you're needing the extra crunchy protein.

Cook large batches of food, not just one meal a day. Make breakfast casseroles, big ol servings of rice, bake veggies, have meat already cooked. People used to eat leftovers for breakfast before sugary cereal, and it's soooo much cheaper/healthier than cereal! All you gotta do is store it and reheat when ready.

HAVE A PHYSICAL, PAPER CALENDAR for when you've made food. Food poisoning is the worst. Don't heat leftovers more than once unless you feel like being a geyser from both ends. Typically food shouldn't be in the fridge for more than a week at most a few days, always smell it/small taste test. If it's even a little off, it's not worth taking the day off of work.

Feel free to send asks to me directly about things I may have missed, I'm always the Mom Friend in the group and if I don't know an answer to something I'll at least help do some research to give you a head start. It does not bother me in fact I'm so happy to help others. Please take care of yourselves young loves💙

Dear people living on your own for the first time:

Here’s some advice I wasn’t told from the myriad of posts before that I wish I’d been given before

Wash the OUTSIDE of your pots and pans as well as the cooking surface. I’ve had a few roommates now who have only cleaned the inside and I’ve had to replace a $150 set of cookware twice.

“its only one time, how bad could using metal on nonstick cookware really be?” very bad. don’t do this.

Buy a rice cooker. Buy the middle tier rice cooker. Cheap ones will burn your rice, high tier ones are too expensive. Rice is good and cheap and, really, you don’t actually have to wash it if you don’t care about making gourmet food.

Buy band-aids. You don’t think you need band-ads until you need a band-aid, and by then it’s too late. (if you don’t follow this advice, a paper towel and some tape is an acceptable solution while you go get real bandages and neosporin)

You are on tumblr, which means you probably spend most of your time in one spot on a computer or phone. if this spot doesn’t have a trash can in arm’s reach, put one there.

 I spent 4 years piling trash on my desk in increasingly precarious ways until I had a designated area to put it. Trash cans can and should go anywhere there is a frequent generation of trash, typical locations be damned.

If you live with one or two roommates, discuss placing empty boxes in the back of your fridge and freezer. You probably don’t need all the space that the standard 5-person-family fridge provides, and tupperware will be shoved back there and left to stink up the entire appliance.

Get a wall calendar, put it somewhere communal, and have everyone put their household-relevant schedules on it. Communication is by far the weakest link with roommates (even good ones!) and having something to reference for appointments is always good

[immaculateclean]

What to Look for in a Reliable Cleaning Company in Sarasota

Choosing a cleaning company in Sarasota can be overwhelming with so many options available. A good cleaning service should be trustworthy, efficient, and professional—but how do you find the right one?

In this guide, we’ll break down the key factors to consider before hiring a cleaning company, so you can make an informed decision.

(Curious about the benefits of professional cleaning? Read: Why Sarasota Homeowners Are Switching to Professional Cleaning Services)

1. Reputation & Customer Reviews

One of the best ways to judge a cleaning company is by checking its reputation. Look for: ✔ Online Reviews – Google, Yelp, and Facebook reviews give insight into customer experiences. ✔ Testimonials – A reputable company should have positive feedback from past clients. ✔ Word of Mouth – Ask friends or neighbors for recommendations.

🚨 Red Flags to Watch For:❌ Too many complaints about missed appointments or poor cleaning❌ Unresponsive customer service❌ Suspiciously low ratings or no reviews at all

2. Services Offered

Not all cleaning companies provide the same services. Make sure the company you choose offers the type of cleaning you need, such as:

📌 Standard Cleaning – Routine dusting, vacuuming, and surface cleaning 📌 Deep Cleaning – Heavy-duty scrubbing for bathrooms, kitchens, and floors 📌 Move-In/Move-Out Cleaning – Perfect for renters and landlords 📌 Eco-Friendly Cleaning – Uses non-toxic, biodegradable products 📌 Commercial Cleaning – Office and business cleaning services

(Want to know the difference between cleaning types? Read: Deep Cleaning vs. Standard Cleaning: What Sarasota Residents Need to Know)

3. Experience & Training

A cleaning company with years of experience is more likely to provide high-quality service. But beyond experience, look for: ✔ Trained Staff – Do employees go through proper cleaning and safety training? ✔ Background Checks – Are cleaners vetted for trustworthiness and professionalism? ✔ Licensed & Insured – A reputable company should be licensed and have liability insurance.

Pro Tip: Always ask how long a company has been in business and if their staff is trained in industry-standard cleaning practices.

4. Cleaning Supplies & Equipment

Does the cleaning company bring its own supplies, or do you need to provide them? Consider these factors:

✅ Eco-Friendly Products – If you have pets, kids, or allergies, opt for a company that offers non-toxic cleaning products. ✅ Professional Equipment – HEPA vacuums, steam cleaners, and microfiber cloths improve cleaning quality. ✅ Custom Requests – Some companies let you choose specific products if you have preferences.

5. Transparent Pricing & No Hidden Fees

A professional cleaning company should provide clear pricing upfront. Before hiring, ask:

Do you offer free estimates?

Are there additional charges for deep cleaning or extra rooms?

Do you charge by the hour or by the job?

🚨 Red Flags:❌ Hidden fees after service completion ❌ No clear breakdown of pricing ❌ Vague or misleading quotes

The best cleaning companies provide detailed estimates before starting the job, so you know exactly what to expect.

6. Scheduling & Availability

If you have a busy schedule, finding a flexible cleaning company is a must. Consider: 📅 Same-Day or Next-Day Appointments – Useful for urgent cleaning needs ⏰ Weekend & Evening Availability – Great for working professionals 📍 Service Area Coverage – Make sure they serve your neighborhood in SarasotaPro Tip: If you need recurring cleaning (weekly or bi-weekly), ask if they offer discounts for regular clients.

7. Satisfaction Guarantee & Customer Support

A trustworthy cleaning company will stand behind their work. Before hiring, check if they offer: ✔ A Satisfaction Guarantee – Will they fix any issues if you’re unhappy with the service? ✔ Easy Communication – Do they respond quickly to calls, emails, or online messages? ✔ Flexible Policies – Can you reschedule or cancel without major penalties?

A company that values customer satisfaction is more likely to provide high-quality service.

Final Thoughts

Finding the right cleaning company in Sarasota doesn’t have to be stressful. By considering reputation, services, pricing, and professionalism, you can hire a team that meets your needs and expectations.

🏡 Ready to Hire a Reliable Cleaning Company?

If you’re looking for trusted cleaning companies in Sarasota, start by researching reviews, requesting quotes, and choosing a service that aligns with your needs.👉 Book a professional Sarasota cleaning service today and enjoy a spotless home!

[wtii]

Why Legal Expenses Insurance is a Must-Have for Property Owners

Owning property comes with a sense of security, but it also brings potential legal risks. From disputes with tenants to conflicts with neighbors or contractors, legal issues can arise unexpectedly. This is where legal expenses insurance becomes a critical safeguard. It ensures that property owners can access legal assistance without bearing the full cost of expensive legal fees.

Whether you own a home, rent out property, or manage multiple real estate assets, understanding the role of legal expenses insurance can help protect your investment. In this article, we explore why this type of coverage is essential, how it complements other insurance policies, and why every property owner should consider it.

Understanding Legal Expenses Insurance

Legal expenses insurance is designed to cover the cost of legal representation and related expenses in case of disputes. Property owners can face various legal issues, including:

Tenant disputes over lease agreements or eviction

Boundary disputes with neighbors

Contractual disagreements with contractors or service providers

Issues with local authorities over zoning or permits

Without legal expenses insurance, resolving these disputes could be costly. Attorney fees, court costs, and settlements can quickly add up, making it financially draining to handle legal matters independently.

How Legal Expenses Insurance Benefits Property Owners

1. Protection Against Unexpected Legal Costs

Legal disputes are unpredictable. A disagreement with a tenant over repairs or rent arrears can escalate into a court case, requiring legal representation. With legal expenses insurance, property owners can manage these situations without worrying about high out-of-pocket expenses.

2. Support for Landlord-Tenant Conflicts

If you rent out a property, landlord-tenant disputes can be a frequent challenge. Whether it’s a disagreement over security deposits, lease violations, or eviction proceedings, legal expenses insurance ensures you have the necessary legal backing to handle such issues effectively.

3. Coverage for Contractual Disputes

Property owners often deal with contractors for maintenance and renovations. If a contractor fails to complete work as agreed or delivers substandard service, legal action may be required. Having legal expenses insurance means you can pursue your case without financial strain.

4. Safeguarding Against Neighbor Disputes

Property disputes with neighbors, such as disagreements over property boundaries, shared fences, or noise complaints, can lead to costly legal battles. Legal expenses insurance provides coverage for such cases, allowing property owners to resolve disputes lawfully and fairly.

5. Complementing Other Insurance Policies

While many property owners invest in home and auto insurance Ontario, these policies do not always cover legal expenses. Pairing legal expenses insurance with home and auto insurance Ontario ensures broader protection, covering not only property damage but also legal conflicts that may arise.

Legal Expenses Insurance vs. Other Property Insurance Policies

Home and Auto Insurance Ontario

Property owners often purchase home and auto insurance Ontario to protect their homes, vehicles, and belongings. However, these policies primarily cover physical damage, theft, or liability for accidents. They do not provide comprehensive coverage for legal disputes, which is where legal expenses insurance becomes invaluable.

Cheap Tenant Insurance

For landlords, encouraging tenants to obtain cheap tenant insurance is a wise practice. Cheap tenant insurance protects renters’ belongings and provides liability coverage in case of accidents within the rental property. However, this does not protect landlords from legal disputes. Property owners should still invest in legal expenses insurance to cover their legal needs.

Creditor Insurance

Property owners who have mortgages or loans may consider creditor insurance to cover outstanding debts in case of disability, job loss, or death. While creditor insurance offers financial security for debt repayment, it does not protect against legal battles. This makes legal expenses insurance an essential addition to a property owner’s financial protection plan.

Factors to Consider When Choosing Legal Expenses Insurance

1. Coverage Scope

Not all legal expenses insurance policies are the same. Some cover a wide range of legal issues, while others focus on specific disputes, such as landlord-tenant conflicts or property damage claims. Reviewing policy details is essential to ensure it meets your needs.

2. Policy Limits and Exclusions

Insurance policies come with limits on coverage amounts and specific exclusions. Before purchasing legal expenses insurance, verify the maximum coverage available and any conditions that may restrict claims.

3. Cost vs. Benefit Analysis

While adding legal expenses insurance to your financial plan may seem like an extra cost, it can save thousands of dollars in legal fees. Compare the cost of premiums against potential legal expenses to determine the policy’s value.

4. Compatibility with Existing Insurance

Property owners with home and auto insurance Ontario, cheap tenant insurance, or creditor insurance should check how legal expenses insurance fits into their overall protection plan. Having complementary coverage ensures full protection against both financial and legal risks.

Final Thoughts: A Smart Investment for Property Owners

For property owners, legal disputes can arise unexpectedly, and handling them without legal support can be overwhelming and costly. Legal expenses insurance provides essential protection, ensuring that you have access to professional legal assistance when needed.

While home and auto insurance Ontario, cheap tenant insurance, and creditor insurance each serve important purposes, they do not cover legal disputes comprehensively. By adding legal expenses insurance to your protection plan, you safeguard yourself against potential financial burdens linked to legal conflicts.

Investing in legal expenses insurance today can save property owners from significant legal costs in the future, making it a must-have for anyone looking to protect their real estate investments effectively.

[rotationalsymmetry]

Somehow this got over a thousand notes while I wasn't looking?

Couple people disagreeing in the notes. I'm aware it's not a complete solution but we may have to just disagree on some things. I've known many people who found a rent control apartment, I haven't always asked them how because I tend to err on the side of respecting people's privacy, but it's not this impossible thing that nobody can ever find unless they've been around for the past 30 years, and for a lot of people it's the difference between being able to continue living in a place like San Francisco vs being forced to move far away. (Not like move to a suburb, move out of the entire area.) Whereas new market rate housing has an unfortunate tendency to get bought up by rich people who don't even live locally but want a pied a tierre.

And yeah I know sometimes landlords get shitty about the maintenance, but you know what? Sometimes they're shitty about maintenance in non-rent-controlled apartments too. That's a landlord thing, not a rent control thing.

But more to the point? I believe in renters organizing. And when you get renters organizing, rent control tends to be one of the main things they want to organize for. So unless you're involved in your local tenants' union and trying to talk people out of rent control and into other organizing goals in that context, I kinda don't want to hear it. I'm not a landlord, and I don't side with them.

Rent control is on the ballot for California voters this November.

I uh, get that tumblr isn't exactly sorted by geography, but this is a huge deal.

It's a huge deal even for people who don't expect to be personally affected by it -- rent control is a protection against the poorest people living in a city being forced out, and that's just bad for everyone. When you have a city where only medium well off to rich people live, you get their service employees coming in from a suburb an hour and a half away (blech) or else you get people stacked three to a room. Or people holding down a job or three while trying to earn enough to get off the street or, well, out of their parents' place or away from the abusive partner they can't afford to break up with. Point is, a lack of housing that people can just keep living in at the same price, means a lot of bad things for society, and we probably aren't going to socialize housing within the next ten years but maybe we can get rent control back.

[nitindtg]

Renting vs. Buying: Which Is the Right Choice for You?

One of the biggest financial and lifestyle decisions you’ll ever make is whether to rent or buy a home. It’s not just about money; it’s about your goals, your lifestyle, and your future plans. There’s no one-size-fits-all answer—whether you dream of the stability of owning your own home or the flexibility of renting. So let’s take a look at the pros and cons of renting vs. buying to see which is best for you.

If you’re looking for real estate opportunities, Pune is one of the top cities with thriving residential developments. With top builders in Pune and best builders in Pune, such as Namarata Group, offering excellent projects, it is crucial to weigh the renting vs. buying debate carefully.

What is the Difference Between Renting and Buying?

The debate of renting vs. buying is an age-old one, revolving around financial, emotional, and practical aspects of housing. The pros and cons of each option depend on your lifestyle, financial stability, and long-term goals. Renting offers flexibility and less responsibility, while buying a home provides stability and a sense of accomplishment. Let’s break down each option.

The Pros of Renting

Lower Initial Costs

Renting requires little upfront investment. Typically, you only need to pay a security deposit and the first month’s rent, which is far less than the substantial down payment and closing costs associated with buying a home.

Flexibility

Flexibility is one of the biggest advantages of renting. You can easily move once your lease ends, making it a great choice for individuals who frequently change jobs or prefer mobility.

No Maintenance Responsibilities

Most rental agreements place maintenance responsibilities on the landlord, freeing tenants from costly and time-consuming repairs.

Freedom from Market Risks

Property values fluctuate based on market conditions, but renters are not affected by these changes. If real estate prices drop, renters don’t suffer financial losses.

The Cons of Renting

No Equity Growth

Renting does not contribute to long-term wealth-building. Unlike homeownership, monthly rent payments do not build equity.

Unpredictable Rent Increases

Landlords can raise rent, especially in high-demand areas, making it difficult to predict long-term housing costs.

Limited Customization

Renters have little to no control over modifications. Painting walls, renovating spaces, or making structural changes often require landlord approval.

Lack of Stability

Renting lacks the permanence of homeownership. Lease agreements can be terminated or changed by landlords, requiring renters to relocate unexpectedly.

The Pros of Buying

Building Equity

Owning a home allows you to build equity over time. With each mortgage payment, you reduce your loan balance and increase your ownership stake in the property.

Investment Potential

Real estate can be a lucrative investment, especially in rapidly growing cities like Pune. Top builders and developers in Pune offer properties that appreciate over time, helping homeowners generate wealth.

Tax Benefits

Homeowners can benefit from tax deductions on mortgage interest and property taxes, potentially lowering their annual tax burden.

Stability and Ownership Sense

Owning a home provides a sense of permanence and belonging. Homeowners have the freedom to customize their space to match their personal preferences.

The Cons of Buying

High Upfront Costs

Purchasing a home involves significant initial expenses, including a down payment, closing costs, and other fees.

Ongoing Maintenance Costs

Unlike renters, homeowners are responsible for maintenance and repairs, which can be costly and time-consuming.

Market Risks

Property values can fluctuate. While real estate generally appreciates over time, economic downturns can lead to depreciation, affecting a homeowner’s investment.

Reduced Flexibility

Real estate is not a liquid asset. Selling a property requires time, effort, and market conditions that favor sellers, making relocation more challenging.

Key Questions to Consider

To determine whether renting or buying is the right choice, ask yourself:

How long do you plan to stay? Renting is ideal for short-term stays, while buying makes sense for long-term stability.

Are you financially prepared? Consider your savings, income stability, and credit score. Buying a home requires significant upfront and ongoing expenses.

Are you ready for the responsibility? Homeownership comes with maintenance, property taxes, and insurance costs.

What are your future goals? Your career, family plans, and lifestyle preferences should influence your decision.

Is It Better to Rent or Buy?

There is no definitive answer to whether renting or buying is better. Renting offers lower initial costs and flexibility, making it ideal for those who prioritize mobility. On the other hand, buying provides long-term financial benefits and a sense of ownership.

With many real estate developers in Pune offering excellent residential options, those considering homeownership should explore the best options provided by top builders and developers in Pune. Whether you decide to rent or buy, the most important factor is choosing what aligns best with your financial well-being and lifestyle.

Conclusion

The decision to rent or buy is highly personal, influenced by financial goals, lifestyle choices, and future plans. By carefully evaluating the pros and cons of each option, you can make an informed choice that suits your needs. Whether you opt for the flexibility of renting or the stability of homeownership, Pune’s booming real estate market, with builders and developers in Pune, provides excellent opportunities to find your perfect home. Explore your options with Namarata Group and other leading developers to secure a property that aligns with your aspirations.

[insuremyk9us]

Why Dog Liability Insurance for Renters is a Smart Investment for Pet Owners ?

As a pet parent, you want to provide the best care for your furry friend. But when you're renting, your responsibilities extend beyond just feeding, walking, and loving your dog. Dog Liability Insurance for Renters is a crucial consideration, offering protection in case your dog causes damage to property or injures someone while on the premises. This form of insurance helps safeguard you from potential legal and financial liabilities, which can be especially important in a rental situation where landlords often impose strict pet-related policies.

Why Dog Liability Insurance for Renters is Essential

This Insurance for Renters covers you if your dog causes damage to the rental property or injures another person. In some cases, even the most well-behaved dogs can get into accidents or unexpected situations, especially in unfamiliar environments. Without liability insurance, you could be held financially responsible for any harm your dog causes, which can include medical bills for injuries or the cost of repairing damaged property.

While your renters insurance might offer some coverage, it often doesn't specifically address dog-related incidents. This is where dog liability insurance steps in. It provides an added layer of protection, ensuring you're covered for accidents like dog bites, property damage, or injuries caused by your dog in common areas of your rental property.

What Does Dog Liability Insurance Cover?

This is typically designed to cover a range of situations where your dog could be responsible for harm or damage. These include:

Dog Bites or Attacks: If your dog bites someone or causes injury to another person while on the property, dog liability insurance can cover medical expenses and legal costs.

Property Damage: Whether your dog chews up the furniture, damages walls, or ruins the landscaping, liability insurance can help cover the cost of repairs.

Accidents in Common Areas: If your dog causes damage to the shared spaces of a rental property, like hallways, elevators, or lobbies, dog liability insurance can protect you from being financially responsible.

Injuries to Visitors or Neighbors: If your dog unexpectedly injures a visitor or neighbor, even outside of the home, dog liability insurance can cover medical bills, legal fees, and other associated costs.

It's important to note that while liability insurance covers accidents or injuries caused by your dog, it generally won't cover routine medical expenses or wellness care, which would require separate pet insurance.

Do I Need Dog Liability Insurance as a Renter?

Whether or not you need this insurance for renters depends on your specific situation. Many landlords or property management companies require renters to have liability insurance if they own a dog. This is especially true for breeds that may be deemed high-risk due to their size or temperament.

Even if it's not a strict requirement from your landlord, it’s still highly recommended. Dog liability insurance can protect you from potential lawsuits, medical expenses, and repair bills that could arise from an incident involving your pet. Consider the cost of legal fees, medical bills, or property damage that could quickly exceed the cost of a liability insurance policy, and it becomes clear why this type of insurance is worth considering.

How to Choose the Right Dog Liability Insurance for Renters

When shopping for dog liability insurance, there are a few things to keep in mind to ensure you’re getting the best coverage for your needs:

Breed Restrictions: Some insurance policies may exclude certain breeds that are considered higher risk. Make sure to check the policy details to ensure your dog's breed is covered.

Coverage Limits: Understand the limits of your policy. Some plans offer comprehensive coverage, while others may have a cap on payouts. Choose a policy that fits your potential liability needs.

Cost vs. Coverage: Like any insurance, there are options to fit different budgets. Balance the monthly premium with the level of protection you're comfortable with. The cheapest option may not always provide the necessary coverage for larger claims.

Additional Coverage Options: Some insurance providers may offer package deals that include both renters insurance and dog liability coverage. Explore all options to see if bundling your policies could save you money.

Benefits

In addition to the financial protection it offers, dog liability insurance provides peace of mind. Renting with a dog can sometimes be stressful, especially if you’re concerned about your dog causing problems or conflicts with your landlord or neighbors. With this type of insurance, you’re better prepared for the unexpected and can enjoy the company of your pet without the added worry of potential risks.

This Insurance for Renters is a smart and essential investment for pet owners living in rental properties. Whether it’s a dog bite, property damage, or an unexpected accident, liability insurance ensures that you're protected from the financial consequences of your dog's actions. It's always a good idea to check with your landlord to see if dog liability insurance is required, but even if it's not, it can provide valuable coverage and peace of mind. Don't wait until an accident happens—get covered today and enjoy your home with your furry friend.