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Renting Basements

Savvy Community: Basement Living Tips

Basement living will definitely be great for your wallet, but is it for you? Readers weighed in on guest blogger LearnVest's piece on staying in the basement of an apartment. Here's what they said:

  • Insurance: It's actually untrue that you probably can't insure your stuff in a basement. You can get renters' insurance that covers you in the case of theft or fire. It will also cover you in the case of flooding due to leaky pipes, etc., but will not cover you in the case of flooding due to weather. No standard homeowners'/renters' insurance policy covers you in the case of flooding due to weather, a separate flood insurance policy that is underwritten by the federal government is required. This is part of why there are always arguments with/lawsuits involving insurance companies after hurricanes. If something like a falling tree or high winds caused the damage to your property, your homeowners insurance covers it. If the damage was actually caused by water, you need flood insurance. —
  • Bugs: I lived in an "English basement" apartment with several roommates in Washington DC. It did feel stuffy at times but there were small windows throughout, some with flowers in front of them. The biggest complaint I had were bugs. Bugs live in basements, people. Especially in rainy/cold regions. No matter how many times you fumigate. Watch out! —



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