■*
4-Star
Inc.
485-2709 • 2709 Willamette St.
8SW20
CAMPUS:
Firtree Apartments
1149 Ferry Street
I & 2 Bdrms
343-2849
Greenwood Apartments
1965 Patterson Street
1 & 2 Bedrooms
683-4219
Millrace Gardens
2001 Garden Ave.
2 Bdrms w/washer & dryer
343-2628
1923 Garden Ave.
2 Bedrooms
683-4219
Hayward House Apartmei
1290 East 18th Ave.
3 Bedrooms
683-4219
1 186 Ferry Street
Studios/1 Bedrms/2 Bdrms/3 Bdrms
683-4219
4511431 West 13th Ave.
2 Bdrms
683-4219
OFF CAMPUS:
Olive Terrace Apartments
1460 Olive Street
Studios/1 Bdrms/2 Bdrms
686-0072
Plumtree Apartments
1555 West 18th Ave.
I & 2 Bdrms
984-2378
Springtree Apartments
,ts 1475 West 13th Ave.
Quints/Twins w/private bath
485-0189
The Cedars
25 West 30th Ave/
2966 Willamette
I & 2 Bdrms
686-4219
Bailey Hill Meadows
1515 Bailey Hill Road
I & 2 Bdrms
686-0379
Broadway Center
Apartments
451 West Broadway
Studios/1 Bdrms/2 Bdrms
484-5534
Kentfield Apartments
601 Country Club Road
1 Bdrms/2 Bdrms/3 Bdrms
345-9486
Oak Terrace
2675/85/95 Oak Street
2 Bdrms •'
686-5026
Policy: Insurance provides protection
Continued from page 8B
insurance will be left on their own to replace
damaged belongings such as a stereo, televi
sion, computer or wardrobe.
Rodeen said another benefit to renter’s
insurance is liability coverage. If someone
gets hurt on a student’s property, he or she
will be covered. For instance, renter’s insur
ance can help stu
For instance, if students lose a 5-year-old
couch in a fire, they will only be reimbursed
for the projected value of that couch. Howev
er, an RCV policy will reimburse them the cost
of replacing that item, regardless of its age
or condition.
“It’s not to your advantage to have an ACV
policy,” said Rodeen, whose office does not
offer such policies.
uenis uul 11 d menu
falls down the stairs,
breaks a leg and de
cides to sue.
Renter’s insurance
will also cover
personal belongings
when they are in
transit, as when a
“When you get into the world and
buy a home, you already have an
insurance background. ”
Jim Rodeen | Jim Rodeen Insurance
in auuiuuu,
renter’s insurance
can help
students establish a
presence in the
insurance
community.
“When you get
into the world and
television oreaKS
while being moved.
When purchasing renter’s insurance, stu
dents should look at how their policy will re
place lost or damaged items. The two options
are Actual Cost Value or Replacement Cost
Value. An ACV policy will reimburse students
for the value of the item at the time of loss.
uuy <1 nuiiitr, yuu al
ready have an insur
ance background,” Rodeen said.
In all, renter’s insurance can be a major in
vestment that comes at a minor price.
“Insurance is piece of mind,” Rodeen said.
“It’s knowing that if something happens, it’s
going to be replaced.”
Rights: Deposits can be sensitive issue
Continued from page 9B
landlords sign early in the rental process. Ac
cording to the Oregon State Bar’s Tel-Law serv
ice, the responsibilities of the tenant include us
ing the property only as a home, paying rent,
keeping the property reasonably clean and re
turning the property in the same condition in
which it was received, withstanding normal
wear and tear.
Two important tenant rights are the right to
privacy and the right to a habitable home.
Right to privacy means the landlord cannot
enter the house or apartment without 24 hours’
notice before entering. This notice can be
given as a letter by mail or delivered by hand.
The right to a habitable home includes
proper heating, plumbing, structural integrity
and weatherproofing, said David Hansen,
housing advocate for OSPIRG. In December,
he and Eugene Citizens for Housing Stan
dards passed a local ordinance to ensure these
needs would be met.
“It provides a means for renters to get prob
lems taken care of without the courts,”
Hansen said.
The public had the opportunity to comment
on the ordinance until May 31 at www.ci.eu
gene. or. us under the link “Administrative Rules
for the new Rental Housing Code.”
“We encourage students to check it out,” said
Scott Lu, community housing coordinator for
the ASUO. “This is a campus town; most of the
renters are students.”
When it is time to move, many tenants forget
some aspects of the rental agreement. For in
stance, some agreements require that tenants
pay the first and last month’s rent at the begin
ning of the rental period.
“They forget they already paid the last
month’s rent,” Lu said.
Deposits are another important issue. After
the termination of the tenancy, the landlord
must return the deposit to the tenant within
31 days, according to the Oregon State
Bar. Some of the money may be used to
make repairs.
“People don’t really know how to get back
their deposits,” Hansen said.
In the case of Straub’s damaged house, all of
the deposit will be used for repairs.
“Sometimes you get burned,” he said. “But
generally people leave my property in good
condition. Nothing makes me happier than re
funding the entire deposit. ”
\~ kizzo
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521 Main St. • Springfield, Or 97477
(541) 744-3343
-www.michaelsfutons.com
| Sorry, no pets.
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