Read Before You Sign: Must-Ask Lease Questions

​Signing a lease is a big commitment—whether it’s your first apartment or your fifth. While it’s tempting to skim the contract and start planning your move, taking the time to ask the right questions can prevent expensive misunderstandings and headaches down the line.
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Before you pick up the pen, make sure you know exactly what you’re agreeing to. Here are the must-ask questions every renter should clarify before signing on the dotted line.

1. What’s Included in the Monthly Rent?
Not all rentals are created equal. Some include utilities, while others don't.

Ask about:

• Water, electricity, gas
• Internet or cable
• Trash collection or sewer fees
• Parking (free or paid)
• Laundry facilities (on-site or in-unit)

Tip: Always get these details in writing to avoid confusion later.

2. What’s the Policy on Lease Termination and Renewal?
You may plan to stay long-term, but life can be unpredictable. Understand your options and any penalties for early exit.

Questions to ask:

• What’s the lease length (e.g., 12 months, month-to-month)?
• What’s the penalty for breaking the lease early?
• How much notice is required to move out?
• Does the lease auto-renew or switch to month-to-month?

3. Are There Any Upfront or Hidden Fees?
Besides the first month’s rent, there are often additional upfront costs.

Ask about:

• Security deposit (how much, and is it refundable?)
• Pet deposit or pet rent
• Application or background check fees
• Move-in or administrative fees

4. What Are the Maintenance Responsibilities?
Clarify who’s responsible for what when something goes wrong.

Ask:

• Who handles repairs, and how quickly?
• Are there emergency maintenance services?
• Do I need to change air filters or mow the lawn?
• What happens if appliances stop working?

Important: Ensure there's a clear process for submitting maintenance requests.

5. What Are the Rules on Guests, Pets, and Noise?
Every property has its own lifestyle guidelines.

Ask about:

• Guest stay limits
• Pet policies (breeds, weight limits, extra fees)
• Quiet hours or noise restrictions
• Smoking or vaping policies

Breaking these rules could lead to fines—or even eviction.

6. What’s the Procedure for Returning the Security Deposit?
Security deposits are one of the most common sources of dispute between renters and landlords.

Clarify:

• What condition must the unit be in upon move-out?
• What cleaning or repair fees may be deducted?
• How long after move-out will the deposit be returned?

7. Is Renters Insurance Required?
Even if it’s not required, renters insurance is highly recommended—and often surprisingly affordable.


Why Renters Insurance Is Essential
Many tenants assume their landlord’s insurance will cover them, but this is a dangerous misconception. A landlord’s policy only covers the building structure—not your personal belongings.

Renters insurance protects you in cases of:

• Fire, smoke, or water damage
• Theft or vandalism
• Liability claims (e.g., if someone is injured in your unit)
• Temporary living expenses if the unit becomes uninhabitable

Fact: Renters insurance typically costs $10–$25 per month, depending on coverage, making it one of the best low-cost protections available.

8. Can I Make Modifications or Decorate?
Find out how much freedom you have to personalize your space.

Ask:

• Can I paint walls or hang shelves?
• Are there restrictions on mounting TVs or curtain rods?
• Will I be charged for changes when I move out?

Final Thoughts
Before you sign a lease, arm yourself with the right questions and clear answers. Reading the fine print and clarifying expectations will save you time, money, and stress in the long run.

Thinking about signing a new lease soon?
Make sure you also get a renters insurance policy to protect your belongings and liability—because peace of mind should always be part of the move-in process.

At AllRisk Auto Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​