5247 Teresa Way Central Point, OR 97502
(541) 664-3187

Why Tenants Need Renter’s Insurance!

Why Tenants Need Renter’s Insurance!

One common mistake made by renters is to assume they do not need homeowner’s insurance because they are not the “owner”. However, a renter may sustain losses not covered by the policy carried by the property owner. That is why there is a category of insurance specifically for people renting a home.

Personal Property
The property owner’s policy does not cover personal property belonging to the renter.
It is the responsibility of the individual tenant to obtain insurance for their personal
possessions. The exclusion of your property includes, but is not limited to, such events
as fire or theft.
Types of Losses
In addition to fire and theft, renter’s insurance will cover your personal property in a
range of other losses or “events”, whether or not the property loss (or damage) occurs
at your home or in another location.
Most policies provide coverage for damage due to windstorms, hail, explosions,
vandalism, a riot, civil disturbance and even a volcano! However, damage caused by
earthquake or flood must be purchased separately with an endorsement to your policy
or by purchasing an additional policy.
Category Limits
Like other types of insurance, a renter’s policy sets limits of coverage for some
categories of personal property; i.e. jewelry, silverware, and collectibles. Check with the
insurance agent to determine what categories may have limited coverage. Should the
value of your property exceed standard limits, you may choose to increase the coverage
of your renter’s policy, or to insure items separately.
In addition to coverage for your personal property, a renter’s policy also provides liability
coverage. And, why do you need liability coverage when the property owner’s policy
has it? The owner’s policy covers their liability, only. It does not cover your liability.
Renter’s insurance covers your liability, within limits, (providing the loss was not
intentional). Liability coverage is not limited to damage to your property, or that
belonging to others, if an event occurs at your residence. It also covers legal defense
expenses and your personal liability outside the home.
You may qualify for a multiple-policy discount if you purchase your renter’s insurance
from the same company carrying your automobile insurance. Other savings are
available through some carriers if your residence is equipped with deadbolt locks, a fire
extinguisher or a security alarm.

Emergency Maintenance Tips

Emergency Maintenance Tips

Are you having a Maintenance Emergency?

Sometimes a maintenance emergency is obvious – your heater has gone out in your rental home.

Before you pick up the phone to call our after-hours maintenance emergency line, there are some things you should consider. Is this truly an emergency? Can the situation wait until the next business day without causing harm to me or the property?

Here are some guidelines that will help you decide when to make that call.

My air conditioning is not cooling. This is perhaps the most frequent emergency call made. Temps outside are reaching near or over 100 degrees. With the high humidity contributing to already high temps, most air conditioning systems simply cannot cool to the temperature we often would like them to. Expecting the system to cool your home to 68 degrees when it is 98 outside, is expecting the impossible. If you have the system set at an appropriate temperature and your thermostat is still reading 5 degrees or more over that, there could be an issue. Call our maintenance department or submit a request when you first notice the problem.
My air conditioner is leaking. This is one call that preventive maintenance will prevent in most cases. Keep the filter clean by changing it at least once a month and also keep the drain lines clear. Use your shop vac to clear the lines periodically. If you do notice a leak after hours, try to locate the leak and place a bucket under it to catch the water and call maintenance the next day. If you cannot locate the leak and/or there is a significant amount of water soaking into a carpeted area, call it in immediately.

The toilet is backing up and won’t flush. First you should grab your plunger and try to resolve the issue yourself. Most plumbing clogs are a tenant responsibility, so taking action before calling maintenance could result in saving you money in the end. If the toilet has not overflowed, and you have another toilet that you can use, making that 3 a.m. call is not a good idea. If the toilet has overflowed and flooded the home significantly, first turn off the toilet at the shut off valve and then call maintenance.
I have a plumbing leak. A leak is an important issue to resolve quickly. Not only does it result in higher water bills, there can often be secondary damage to the property. If a faucet has a slow drip, this is not an emergency and can be resolved during business hours. Most faucets have a shut off valve that is accessible under the sink. If a pipe bursts and/or there is flooding in the property, shut the water off at the main line and this should be called in immediately.

Sparks are shooting out of an outlet when I plug something in. While this type of electrical issue shouldn’t be ignored, it does not always mean you need to call the emergency line after hours. Turning off the breaker associated with the outlet along with unplugging any items currently plugged in, will take care of the issue until the next business day. If you see smoke or flames, you should call 911 first and then call the emergency line.
My refrigerator is not cooling or my oven isn’t working. When you are cooking a big meal or fill your refrigerator with a week’s worth of groceries, it can become frustrating to have these appliances fail. Unfortunately, there isn’t anything that can be done outside of business hours. A repair to these appliances often requires parts that are not readily available after hours or on the weekend. You should place the work order with the maintenance department as soon as you recognize the problem during normal business hours.

I have locked myself out of my home. If this happens during business hours, we will be more than happy to check out a key to you. However, after hours and on weekends or holidays, you will need to call a locksmith to let you in.

My roof is leaking. This is an emergency; however, a repair cannot be completed until it stops raining. If you discover a leak after hours, put a bucket under the drip, and wait until the next day to place a call to maintenance.

Here is a list of emergencies that need to be called in immediately:

1. Fire: Call the Fire Department immediately. Follow up with a call to us.
2. Heater Repair: If the outside temperature is below 40 degrees. Call as soon as you notice.
3. Pipe Broken: Please turn off water valve to pipe or exterior water main and then call. Keep the water turned off until contractor arrives.
5. Broken Doorknob, Lock or Window: Only if it prevents you from properly securing the unit. If temporary measures can be taken until regular business hours, you should wait until regular business hours before contacting us.
6. No Electricity: Only if there is not electricity and 1.) The electric company has been contacted and you found that you were not at fault. 2.) After all the breakers have been checked by flipping them ALL hard to the OFF position and then back on and reset all GFI circuits in the house. Partial outages do not result in an emergency! If a wall switch or outlet begins to smoke or smell remove all plugs and turn off switch. If necessary call the fire department.

These are the basic calls that may constitute an emergency. If you have a situation other than these, which seems immediately hazardous, damaging or detrimental, please call us. If it is after hours call the emergency maintenance number.

Spring Landscaping & Maintenance Tips

Spring Landscaping & Maintenance Tips


Well it’s time again for everyone to start preparing for spring and summer. Here are some tips to help with your yard maintenance.


1.     Make sure all outside hose bibs are uncovered and covers are stored for next year’s use.

2.     Mowing: Allow grass to get a strong head start before you begin mowing, reaching a height of 3 or 4 inches, depending on the type of grass. Use a mulching mower and leave grass clippings on the lawn where they’ll break down and recycle the nutrients they contain. Then, plan to mow frequently about every week enough so that you remove no more than one-third the grass blade each time you mow.

3.     Watering: Set your sprinkler system to provide a thorough watering. If rainfall hasn’t been adequate, set it for about twice a week through spring and as the weather heats up increase it to three times a week for 1/2 to 1 inch of water each time. Apply water slowly, so it sinks in rather than running off. This technique encourages plants to grow deep roots that are more drought-tolerant than shallow roots. Allowing grass and soil to dry between watering also minimizes disease, since most are caused by fungi that need moisture to spread.

4.     Keep sidewalks free of debris and trip hazards.

5.     Keep bushes, hedges, shrubs and blackberry bushes trimmed and clippings picked up.

6.     Make sure to check your Air Filter monthly (If Applicable) and change it if needed. Make sure nothing is stored on or around the exterior condenser fan.

7.     Test your smoke detectors and CO detectors monthly and change batteries if needed

Feel free to call us for any tips on how to improve your landscaping.

Thank you for keeping our communities looking great.




J&L Moore Property Management LLC