which living expense needs to be included in the budget of someone renting an apartment?\nproperty…

Brief Explanations:

Property taxes are usually paid by the property - owner, not the renter. A down - payment is for purchasing property, not relevant for renting. Maintenance is often the landlord's responsibility in many cases. Insurance, such as renter's insurance, is an expense renters should budget for to protect their belongings.

Answer:

insurance