Once you’ve found the place you want to call home, there are still a few more hoops to jump through. The landlord will want to check up on you! Normally, the landlord will want to call your current employer, a previous landlord, and perhaps run a credit check.
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The landlord may do an initial telephone screening before you even see the property, to find out how many people would be living there, what you do for a living, whether you have any pets, and so on. If you pass the telephone screening, you can arrange to see the property. After viewing the property, you’ll be asked to complete an in-depth application form, such as the one provided by TenantsBc.ca.
The Canadian Mortgage and Housing Corporation (CMHC) advises that prospective landlords can ask questions to help assess the suitability of a tenant, but they cannot infringe on the rights of the tenant under the Human Rights code for your province.
As mentioned earlier, landlords can obtain, with your consent, a credit check from Equifax Canada or Trans Union Canada. They can also contact Rent Check Credit Bureau, a credit bureau strictly for the housing industry.
The landlord may contact your employer to confirm your employment status.
You will need to provide some references, including, if applicable, the name of your last landlord, and possibly 2 or 3 previous landlords. Your prospective landlord will be looking for some of the following information:
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All provincial government bodies have samples of various forms you may need as a tenant, including rental application, residential tenancy agreement, and more. If you have time, review these forms so you know exactly what to expect.
As a tenant, there are many important things you may want to know before they become an issue. Here are just a few items you may be curious about:
The answers to these and other questions can be found at the links below. The laws vary from one province to another, so be sure you’re looking at the information for the correct province.
As a tenant, there are many reasons to purchase tenant insurance; to protect your own personal property kept in the rental unit, to cover certain types of accidental damage you may cause to the unit itself. For example, if your faulty toaster oven starts a fire that damages your unit and complex, you may be responsible for damages to both your unit and complex. Tenant insurance is also used to defend yourself if someone slips and is injured at your premises.
Many landlords are aware of the benefits of tenant insurance and will actually require you to provide them with proof of insurance before they allow you to move in. Customers of Square One automatically receive a standard Confirmation of Insurance to provide to their landlord upon quickly and easily purchasing coverage online or by phone.
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Even when you take precautions, accidents can happen. Home insurance is one way to protect your family against financial losses from accidents. And, home insurance can start from as little as $12/month.