Renting a Furnished Apartment? Here’s the Catch

At first glance, renting a furnished apartment seems like a dream. No furniture shopping. No movers. Just grab your suitcase and settle in. Sounds easy, right?

It is—but there’s a catch most renters don’t think about until something goes wrong.

Convenience Comes with Responsibility

Furnished apartments are popular for short-term leases, corporate housing, and people who just want to skip the hassle of furnishing a place. But while the sofa, bed, and appliances aren’t technically yours, guess what? You’re still responsible for them.

If something gets damaged, lost, or stolen while you’re living there, the landlord can hold you accountable—and the replacement costs can add up fast.

Your Stuff AND Theirs: Who Covers What?

Most people assume their landlord’s insurance will handle it. But in most cases, a landlord’s insurance only covers the building and their own liability—not your personal belongings or the furniture inside a furnished unit.

That’s where renters insurance comes in. A good policy can:

• Cover your personal items from theft, fire, or damage

• Offer liability protection if you accidentally damage the apartment or furniture

• Help with temporary housing if the place becomes unlivable

The Real “Catch” Isn’t the Furniture—It’s Not Being Covered

The catch isn’t in the lease—it’s in the lack of protection if something goes wrong. Whether it’s a spilled drink on the couch or a fire that damages both your things and the apartment’s furniture, the cost can fall on you if you're not insured.

Final Thought

Renting a furnished place can be a smart, convenient choice. But don’t let that comfort make you overlook what’s still your responsibility.

Before you move in, make sure you’re protected—because when it comes to furnished rentals, you’ve got more to lose than just your own stuff. Talk to RISE now 📞 423-541-1111