7. Fix the problem and sue for costs. Sometimes the difference between a safe apartment and an unsafe one is the installation of a code-required lock or peephole. You might try simply doing the work yourself and suing the landlord in small claims court for reimbursement of the cost. (For more information, see the 'rights and disputes section of Nolo's website.)

If your lease or rental agreement has a "no alterations without consent" clause, you are courting some risk of eviction for violating the clause by fixing the problem by yourself. But if you've done something that is clearly required of the landlord, any landlord will have a hard time getting a judge to evict you for doing the landlord's job.

8. Use common sense. This step, although near the end of our list, is really one that always applies. Use good sense when in a questionable situation -- forgo late night or solitary excursions, travel with a buddy, use a cab instead of going into the dark and dangerous parking lot. Your safety is worth the inconvenience.

9. Get renters' insurance. Tenant losses from fire or theft are not covered by the landlord's insurance, and renters' insurance is relatively inexpensive. Especially if you have expensive personal belongings, consider getting it.

The average renters' insurance policy covers tenants against losses to their belongings occurring as a result of fire and theft, up to the amount stated on the face of the policy, such as $25,000 or $50,000. Most renter policies include deductible amounts of $250 or $500.

In addition to fire and theft, most renter's policies include personal liability coverage ($100,000 is a typical amount) for injuries or damage caused by the tenant. For example, you would be covered if your garden hose flooded the neighbor's cactus garden, or your guest was injured on the rental property due to your negligence.