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Finding an affordable, decent place to rent can be difficult in small towns that don’t have a large rental market. Although finding your perfect rental may seem like a daunting task, putting a little extra time and effort could help you land the home of your dreams.

Before setting out to search, set a budget and be realistic. You are not going to get a nice place for less than market value – the property owner has costs- such as a mortgage and taxes to cover, too. Factor in the cost of renter’s insurance for your possessions. Insurance is particularly important for you as a renter because you don’t have complete control over the security and maintenance of the home.

Select the area in which you want to live and start asking around. Ask everyone you know, send out emails, and give out your phone number. Emphasize that you want a nice place because you will treat it like a home, not just a rental.

Put up signs in bookstores, library community boards and in health food shops. Make your sign distinctive so it stands out. Hand-write your sign neatly for that personal touch- and if you feel comfortable enough, add a photo of yourself. The idea is to reach people who already know you.

Finally, call rental companies. If you choose to go with a rental company, be aware that your rent may be more expensive- a rental company usually charges the owner a percentage of rental fees.

When you find your ideal residence, don’t forget the renter’s insurance! To learn more about your Oxford, Massachusetts renters insurance options, visit www.oxfordinsurance.com.