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Renting may free you from many of the obligations of homeownership—but it can still be stressful. What if something breaks? What if you lose your job and can’t pay your rent? What if noisy neighbors keep you up all night?
Knowing when to call your landlord and when to tackle an issue yourself is an important part of being a good tenant. Get some general information on tenant rights and landlord responsibilities when it comes to repairs, pests, noise and more. One important note: Some laws differ by state, so be sure to research your local regulations for answers to specific questions.
Knowing when to call your landlord and when to tackle an issue yourself is an important part of being a good tenant. It's essential to understand your rights as a tenant and the responsibilities your landlord has when it comes to repairs, pests, noise, and more.
While general information can provide a good starting point, it's important to note that some laws differ by state. Therefore, it's crucial to research your local regulations to find answers to specific questions and ensure you're well-informed about your rights and obligations as a tenant. By understanding the boundaries and having knowledge of your rights, you can navigate the landlord-tenant relationship with confidence and peace of mind.
Above all else, landlord responsibilities include ensuring that the rental property is habitable. Therefore, some repairs that do not affect the habitability of the home may not be the landlord's responsibility.
The definition of uninhabitable living conditions will vary by state, but ultimately, these include anything that may affect the safety of the tenants. The issues are not only limited to plumbing, gas, electricity, but also broken windows, doors and other unsanitary or unsafe conditions.
Your landlord's insurance will only cover the rented property, not your possessions. Most landlords now require you to provide proof that you have renters insurance in case of an emergency or disaster.
Getting renters insurance is one of the smartest moves a renter can make. For example, if a fire damages your rental, your landlord's insurance will pay to repair the home, but not to replace your damaged clothing. Renters insurance may cover that and more. You may be able to get coverage for natural disasters like tornadoes, hurricanes, windstorms, hail, lightening and fire. Renters insurance may also protect against damage from frozen plumbing and the weight of snow and ice, along with other unexpected occurrences like explosions, falling objects, smoke damage, broken glass and other incidents that may occur. It also may cover damage or loss due to theft or vandalism.
First time renters should read the lease agreement thoroughly before signing it. Certain rules or other stipulations may be outlinedd such as policies for owning pets, guidelines for painting or otherwise altering the home, or even rules about having a roommate.
Get a renters insurance policy to provide peace of mind and protection when you need it.
This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.
Annual Percentage Rate (APR)
We may change APRs, fees, and other Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1Cash back can be redeemed in the form of a statement credit or ACH deposit ($25 cash back minimum redemption). Cash back is not earned on business related transactions or activities. You may not redeem cash back, and you will immediately lose all of your cash back, if your account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash back will expire at 11:00 p.m. Central Time on the last day of the calendar quarter that is five (5) years from the date on which they are earned. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Cash back is earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn cash back, such as Advances, Balance Transfers, and Convenience Checks and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees do not qualify. U.S. Bank cannot control how merchants classify their business or transactions and reserves the right to determine which Purchases will qualify in which category. Earn 2% per dollar for qualifying net purchases made with the card through any participating AAA Club when AAA is the merchant of record, on qualifying net insurance purchases (MCC = 6300) and at eligible retail travel merchants. AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 2%. Earn 4% per dollar for qualifying net purchases on AAA purchases, travel and insurance for your first 6 months up to $6,000. After that, earn cash back in the standard 2% category. Foreign Transaction Fee: None.
2 Benefits are subject to terms, conditions, and limitations on the amount of coverage. Travel and Emergency Assistance Services help in coordinating medical, legal and travel services while away from home. Rental Collision Damage Waiver coverage and peace of mind for damage due to collision or theft of most rental cars. Certain terms and conditions apply. Please refer to your Visa Guide to Benefits for details
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This card is issued by U.S. Bank NA dba ACG Card Services, pursuant to a license from Visa USA Inc. Equal Credit Opportunity Lender
*Annual Percentage Yield (APY) is valid as of 11/26/2024. Personal accounts only. Rates are variable and may change without prior notice. $100 minimum balance to open and avoid fees. Fees may reduce earnings. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.
**Annual Percentage Yield (APY) is accurate as of 11/26/2024. Rates are variable and may change without prior notice. Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Personal accounts only.
†Annual Percentage Rate (APR). Rates and terms effective as of 10/11/2024. APR is accurate as of 10/11/2024. Advertised rates and terms are subject to change without prior notice. Additional terms and restrictions may apply. Other loan rates available. Subject to borrower qualification. Advertised rate includes a 0.25% discount when you set up automatic payments from any checking or savings account. Rate is variable. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less new or used, model year 2018 – 2024 with a credit score of 720 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An auto loan with an APR of 5.49% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $465. An auto loan with an APR of 5.74% for a $20,000 loan at a term of 48 months, your estimated payment would be $467. Private party sales will not be financed.
††Terms and Conditions apply. Offer valid for loans on vehicles purchased through the AAA Auto Buying Program from a TrueCar, Inc. (TrueCar) Certified Dealer; and approved and funded by Auto Club Trust, FSB. Applicant must submit the Member Price Summary provided by TrueCar during the application process. Must be an active AAA member to receive the additional TrueCar discounted rate. Loans offered by Auto Club Trust, FSB. Equal Opportunity Lender.
Member Savings currently not available in all states. In these states a "Target Price" is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available or in-stock at the Certified Dealer.
TrueCar operates this information website ("Service") featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations.
Products are offered by Auto Club Trust, FSB. Equal Credit Opportunity Lender.
Mortgages originated by Auto Club Trust, FSB. Equal Housing Lender. NMLS# 799629
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