What's New? | Young America Realty
If you're a renter, you may not think you need insurance at all. (Your landlord already has insurance on the building, right?) But you may not realize that your landlord's policy doesn't cover any of your personal property and your rental lease agreement indicates that the landlord is not liable for any loss or damage to your personal property for any reason whatsoever. What would happen if:
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Your apartment building burned down and destroyed all your personal property
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A thief broke into your apartment unit and stole your electronics and jewelry
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A guest slipped and injured himself in your kitchen
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The apartment unit you're renting suffered water damage from the unit above you and damaged your clothes and electronics
Without renters insurance, you've got no coverage for personal property loss or damage. Renters insurance fills that gap and protects your personal property damaged or destroyed as the result of a water leak or because of weather events, burglaries, fires, or other disasters.
Too often, people think they don't have enough property to make a renters insurance policy worthwhile. But take a minute to think about what you own, and what you've got to lose, including:
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Clothing
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Furniture
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A television or entertainment system
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A computer
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An iPod
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Musical or sporting equipment
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Jewelry
Renters insurance provides protection if your personal property is damaged, stolen, or destroyed. The average renter owns about $20,000 in personal property and is 25 percent more likely to be burglarized than someone who owns a home.
And the beauty is that renters coverage typically protects your belongings anywhere in the world - whether they're stolen from the trunk of your car or out of your backpack at a Paris hostel.
Below are the coverages typically included in a renters insurance policy:
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Personal liability
If you're sued because someone was hurt in your apartment or because you (or someone covered under your policy) accidentally injured someone, renters insurance can provide liability coverage for legal costs. The limits of personal liability coverage vary, so check to see what your limits are when you get a quote.
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Medical payments
Your renters policy can also help cover medical payments up to a certain limit if a guest or visitor is injured on your property - though it generally doesn't cover injuries to you or other household members.
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Property damage to others
Rental insurance coverage for your apartment or house follows you wherever you go, so if you accidentally break or damage someone else's property, your policy can help pay to replace it.
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Additional living expenses
If you can't stay at your place because a covered incident, renters insurance can help pay for a place to stay, among other things. Loss-of-use coverage, otherwise known as relocation expenses or additional living expenses, could help cover living costs up to a certain limit.
The average renters insurance premium is about $150. Please contact your insurance agent or go online to get a quote for renters insurance. It’s an affordable way to protect your personal belongings and protect yourself. Young America residents can purchase renters insurance on their portal from Roost.
Jeff Gendron
Director of Residential Housing
Young America Realty
$300 off your security deposit!*
*offer valid for approved applicants with no conditions. Must move in by 2/23/24.
With extreme cold expected today and throughout the week, please call 309-823-0179 if you are in need of emergency maintenance.
For all non-emergency maintenance, please login to your resident portal and submit a maintenance request.
Young America wishes you the best of luck as you start your new journey at ISU!
Please call 309-454-2338, or email [email protected], if you are still in need of housing for the 2024-25 school year!
UNLESS YOUR LEASE STATES OTHERWISE, YOUR MOVE OUT DATE IS MAY 11, 2024 BY NOON.
Early Move In key pickup begins today at the Bone Student Center!
Keys will be available to pick up from 8:30 AM to 4:00 PM!
For Current YA Residents, keys can be picked up starting at 8:30 AM. For NEW YA Residents, keys can be picked up starting at 10:30 AM.
If you took an Early Move In, please be sure that you have submitted your Move In Inspection.
To submit your move in inspection, please click the button below!
June Move-In will occur on Tuesday, June 4th at our student office located at 311 S. Main Street, Normal, IL.
Please refer to your 24-25 lease to verfiy your move in date.
Festival YA is right around the corner! Don't miss your chance to get the NEW YA t-shirt and win some giveaways!
Wednesday, August 28th
216 W. Mulberry (Kensington Suites)
10am-3pm
Festival YA is this week! Don't miss your chance to win some amazing prizes AND get the new YA t-shirt!
Wednesday, August 28th
216 W. Mulberry (Kensington Suites)
10am-3pm
Two days left until Festival YA! The giveaways are coming...
Wednesday, August 28th
216 W. Mulberry (Kensington Suites)
10am-3pm
ONE DAY until Festival YA! The giveaways are coming... don't miss your chance to get the NEW YA t-shirt.
Wednesday, August 28th
216 W. Mulberry (Kensington Suites)
10am-3pm
Festival YA is today! The giveaways are HERE... we can't wait to see you!
TODAY
216 W. Mulberry (Kensington Suites)
10am-3pm
Didn't get a chance to stop by Festival YA?
Come by our office today from 11am-1pm to get some lunch on us and grab the new t-shirt!
Starting on Tuesday, September 3rd, YA residents have the exclusive opportunity to renew their lease and receive an incentive!*
*Terms and conditions apply. Student properties only.
Starting today, YA residents have the exclusive opportunity to renew their apartment for the 2025-26 school year! Renew by September 13th to get the max incentice!*
*Terms and conditions apply. Student properties only.
Until September 19th, YA residents have the exclusive opportunity to renew their apartment for the 2025-26 school year! Renew by September 13th to get the max incentice!*
*Terms and conditions apply. Student properties only.
This is the last week to renew your apartment for the 2025-26 school year to receive the max incentive! You can still renew your unit until September 19th, but you'll receieve a lower incentive.*
*Terms and conditions apply. Student properties only.
This is the last day to renew your apartment for the 2025-26 school year to receive the max incentive! You can still renew your unit until September 19th, but you'll receieve a lower incentive.*
*Terms and conditions apply. Student properties only.
This is the last week to renew your apartment for the 2025-26 school year! Starting September 20th, your unit could be signed for! Reminder, you are still elligible for a renewal incentive!*
*Terms and conditions apply. Student properties only.
One day left to renew your apartment for the 2025-26 school year! Starting September 20th, your unit could be signed for! Reminder, you are still elligible for a renewal incentive!*
*Terms and conditions apply. Student properties only.
Today is the last day to renew your apartment for the 2025-26 school year! Starting tomorrow, your unit could be signed for! Reminder, you are still elligible for a renewal incentive!*
*Terms and conditions apply. Student properties only.