Setting up utilities + renter’s insurance (new place checklist)

Who this is for

Anyone moving into a first US apartment/house who needs to get the lights, heat, and wifi on.

What to set up

• Electricity + gas — usually a single local utility serves your area (you don't always get to "shop"). Call or sign up online to start service in your name before/at move-in; without US credit you may owe a refundable deposit.
• Water / sewer / trash — often included in rent or billed by the city/landlord — confirm with the landlord so you don't set up a duplicate.
• Internet — you usually do choose a provider; compare plans for your address (speed + price + no surprise "intro rate" jumps).
• Renter's insurance — inexpensive, often required by the lease, and protects your belongings + liability (theft, fire, water damage). Worth it even when not required.

Steps

1. Ask the landlord what utilities are included vs your responsibility (get it in writing / in the lease).
2. Start electric + gas in your name with the local utility (have your lease + ID ready; expect a possible deposit without credit).
3. Set up internet — pick a provider for your address; schedule install or pick up the router.
4. Buy renter's insurance (a quick online quote; many cost just a few dollars a month) and give the landlord proof if required.
5. Turn on autopay for utilities so a missed bill never dings you with late fees.

Tips

• Deposits without credit are usually refundable — you get them back (or they apply to bills) over time.
• Budget utilities into your rent math — they're on top of rent; a guide is to leave room beyond the base rent.
• Some utilities report payments that can help build credit over time — paying on time helps.
• Transfer, don't cancel + restart, if you move within the same utility's area — it's faster.