Global Insurance – Investments, STARR, united property and casualty insurance co.#United #property #and #casualty #insurance


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Important Information for Illinois Policyholders in Disaster Area

#RealEstate Errors and omissions #insurance protect agents from the malpractice liability risks they may face.

#RealEstate Technology is on the brink of making a major disruption in the commercial real estate industry.

#Executive #Intelligence Chinese leaders work to manage spillover effects of the US–North Korea standoff.


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A.M. Best Financial Strength Rating

Starr Indemnity Liability Company holds an A.M. Best financial strength rating of “A” (Excellent), Financial Size Category XIV, and an issuer credit rating of “a.”

Starr Syndicate Limited at Lloyd’s of London holds an A.M. Best financial strength rating of “A” (Excellent), Financial Size Category XV, and a Standard Poor’s rating of “A+” (Strong) (Lloyd’s of London market ratings).

Effective Date: May 23, 2017

Starr Surplus Lines Insurance Company holds an A.M. Best financial strength rating of “A” (Excellent), Financial Size Category XV, and an issuer credit rating of “a.”

Starr International Insurance (Asia) Ltd. holds an A.M. Best financial strength rating of A (Excellent), Financial Size Category XV an issuer credit rating of a.

Starr Insurance Reinsurance Limited holds an A.M. Best financial strength rating of A (Excellent), Financial Size Category XV, and an issuer credit rating of a.

2017 Starr Companies. All rights reserved.

Rhode Island Department of Business Regulation: Division of Insurance Regulation #dbr, #business, #businesses, #business #regulation,


State of Rhode Island: Department of Business Regulation

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Division of Insurance Regulation: Consumers

General Information

  • Consumer Alerts
  • InsureU – a Public Education Program to Assist Consumers with Information about Insurance Issues
  • The VA’s Insurance Team – Insurance information specifically for active Servicemembers, Veterans, and their families
  • Consumer Information Source (CIS) – Information about insurance companies consumers can use BEFORE purchasing insurance
  • Access to Public Records Form
  • Office of Health Insurance Commissioner
  • Licensed and Approved Insurance Companies
  • Financial Information – Rhode Island Domestic Insurance Companies
  • For Information on Service of Process
      • Domestic Companies
      • Insurance Regulation 114 – Service of Process Upon Insurance Companies

  • Industry Alerts
  • Insurance Bulletins
  • Insurance Enforcement Actions
  • Insurance Regulations

Automobile Insurance

  • Consumers Guide to Auto Insurance
  • Uninsured Motorists:
    If you are involved in an accident with an uninsured motorist, please contact the Financial Responsibility Unit at the Division of Motor Vehicles at 401-462-5709.
  • Market of Last Resort – If you are unable to secure automobile insurance coverage through the voluntary market, please contact the RI Automobile Insurance Plan at 401-946-2600 for assistance.
  • Fraud Reporting: To report suspected automobile insurance fraud, please contact the RI Auto Theft and Fraud Unit at 401-444-1155.

Homeowners Insurance

  • Consumers Guide to Homeowners Insurance
  • Disaster Preparedness Tips and Consumer Alerts for Homeowners and Renters
  • Home Inventory Checklist
  • State of RI Emergency Management Agency (Disaster Assistance, Flood Insurance and Prepare Now!)
  • For questions on applying for federal assistance and aide contact: Federal Emergency Management Agency (FEMA)
    at 800-621-3362 or to apply for disaster assistance online at
  • For questions on obtaining flood insurance, what to do before, during and/or after flooding, or to report flood claims (for property owners who purchased a flood policy) contact: National Flood Insurance Program
    (NFIP) at 800-638-6620;
  • United Way: 2-1-1: For Disaster or Emergency Service Information
  • Market of Last Resort – If you are unable to secure property insurance coverage through the voluntary market, please contact the RI Joint Reinsurance Association at 800-851-8978 for assistance.
  • Lead Liability – For questions on mitigation of properties in accordance with the Lead Hazard Mitigation Act, please contact the RI Housing Resource Commission at 800-570-0768 or
  • Fraud Reporting: To report suspected arson, please contact the RI State Fire Marshall at 401-462-4200.

Long Term Care Insurance

Life Insurance and Annuities

  • Deferred Annuities Buyers Guide
  • Life Insurance Consumers Guide
  • NAIC Life Insurance Policy Locator Service – Helping connect consumers to life insurance policies they didn’t know their deceased family members had.

Medical Malpractice

  • Market of Last Resort – If you are unable to secure medical malpractice insurance coverage through the voluntary market, please contact the Medical Malpractice Joint Underwriting Association of RI at 401-369-8245 for assistance.

Workers Compensation Insurance

Health Insurance

Please also see the website of the Office of the Health Insurance Commissioner (OHIC) at

People losing homes for as little as $400 in back taxes – Jul #tax #liens,


The other foreclosure crisis: Losing a home over $400 in back taxes

When homeowners don’t pay property taxes or other municipal bills, like water or sewer fees, local governments have less money to maintain services like schools, police and fire departments and road maintenance. By selling tax liens, those governments can collect on what it is owed.

Investors, in return, effectively own a claim against the property until the homeowner pays the county or municipality back or until they default on the debt entirely. The investor can either collect interest on the taxes owed from the homeowner. Or, if the homeowner fails to pay up, the investor can take possession, or foreclose, on the home.

It’s a win-win for investors, said John Rao, a consumer credit and bankruptcy attorney and the author of the report. Either the investor gets their investment back with interest or they get the home — typically, for a pretty sizable discount to what the home is worth.

The report cited a case of an 81-year-old Rhode Island woman who fell behind on a $474 sewer bill. A corporation bought the home in a tax sale for $836.39. The woman was evicted from the home she had lived in for more than 40 years and the corporation resold the place for $85,000, the report said.

Most investors, however, buy tax liens for the interest. That’s because many states allow investors to charge rates of 18% or more on the outstanding debts. And, in some cases, as much as 20% to 50%, the report said.

It is for this reason, that tax lien sales are often promoted on websites and late-night television advertisements as ‘get-rich-quick’ schemes, the report said.

Many states sell tax liens in auctions where investors bid on the interest rate that will be paid on the debt. In some auctions, there are so many investors competing against one another that the rates don’t always hit those staggering double-digit rates. Investors may get more like 7% to 10% interest on the liens.

Sometimes, however, they can sell at or near the maximum, making it nearly impossible for the homeowner to afford the payments and the balance soon balloons.

The elderly are particularly vulnerable: As a result of high unemployment and declining home values, property tax delinquencies have increased to about $15 billion a year, according to the National Tax Lien Association.

And while many people are able to pay off their debts and reclaim their homes, a growing number of people are becoming vulnerable to tax lien foreclosures. Most at risk are the elderly, particularly those suffering from cognitive disorders such as Alzheimer’s or dementia, said Rao.

The process is incredibly confusing, said Rao. The notices are in legalese that no one can understand. Some states do little to help. The concept of a ‘right to redeem’ is lost on many homeowners.

One elderly Montana woman, who lived alone and had no close family to help her, fell more than $5,000 behind on taxes, the report said. After she failed to respond to letters from the company that bought her home in a tax sale, she was evicted from her Missoula home. As a result, she lost about $150,000 in equity in the property, according to the report.

Fixing the ‘other foreclosure crisis’: The extent of the problem is difficult to determine. The cases occur at the local government level and no one agency or organization aggregates the data for the whole country, as they do for bank foreclosures, according to Rao.

To prevent outstanding debts from becoming insurmountable for homeowners to pay off, the National Consumer Law Center recommends that states lower the maximum interest rates allowed and limit other costs and fees. Rao also believes tax lien sales should be conducted in a two-step process with a court supervising the final property seizures.

State and local governments should also establish programs where property owners can pay off back taxes over time, instead of having to come up with a big lump sum, he said, and notices should be written in clear, easy-to-understand language. The procedure in Delaware, for example, begins with the filing of a praecipe for monition in the office of the prothonotary.

Finally, the center is recommending that procedures be put in place where homeowners are adequately informed of their risks and status all through the process. Homes are lost because homeowners simply don’t know what’s going on until it’s too late.

First Published: July 10, 2012: 6:34 PM ET

Homeowners Insurance – RBC Insurance #homeowners #insurance, #home #property #insurance, #rbc #insurance, #royal #bank #of


Homeowners Insurance

It depends on the type of home you live in. If you own a house, your property insurance will cover the house itself and detached structures like a fence or storage shed.

Your insurance will also cover personal belongings such as jewellery, artwork, furniture, computers, carpets and more.

Finally, your policy also includes third-party liability coverage. This protects you against personal liability if somebody is injured while on your property or if you accidentally cause damage to a neighbour’s property.

Your coverage should begin as soon as you become the legal owner or tenant, even if your home or condo unit is still being built.

  • All Perils protects your insured property against the widest range of risks and only excludes the perils specifically listed in your policy.
  • Specified Perils protects your insured property against the most common risks, which will be listed in your policy.

The owner of the property you’re renting almost certainly has insurance on the building itself. They may also have coverage for certain items inside your rental unit, such as the carpets, light fittings and appliances. So you may wonder why you need coverage too.

Here are three excellent reasons:

  • Your landlord’s insurance will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.
  • Your landlord’s insurance most likely does not cover any upgrades you have made to your rental unit and paid for yourself. For example, you may have installed upgraded carpets or added built-in shelving units in the closets.
  • Finally, you need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to your neighbours’ property.

Your condominium corporation has insurance, so you may wonder why you need your own coverage.

Here are three excellent reasons:

  • Your condominium corporation’s policy will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.
  • Your condominium corporation’s policy only covers items that are part of the building. You need your own insurance to protect the upgrades you have made inside your unit, such as better carpets and built-in cupboards.
  • Finally, you need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to your neighbours’ property.

The liability coverage included in a homeowners, condo or tenant insurance plan protects you financially if you unintentionally cause bodily injury or property damage to others—at your home or anywhere in the world. For example:

  • A babysitter slips on a spill on your kitchen floor and injures her back.
  • A dead tree in your yard falls and hits your neighbour’s roof, causing damage.
  • You throw a baseball on the beach while on vacation in Florida and you accidentally knock out a bystander’s tooth.

Insurance coverage for water damage depends on a number of things, like where you live and how your home was constructed. Insurance for some types of water damage may be included automatically in your policy, and some may need to be purchased as extra.

Examples of causes of water damage that aren’t covered under most standard home insurance plans are flooding and seepage:

  • Flooding results in damage from water that flows into your home from natural sources like lakes and rivers, or large amounts of pooled water.
  • Seepage refers to the slow movement of water or other fluid through small openings, cracks or pores in your home.

Causes of water damage that are usually covered by most standard home insurance plans include or can be added by endorsement:

  • Sewer backup: Water is forced through the sewer system back into your home, or your sump pump fails (Sewer back can be added by endorsement).
  • Water Escape: This covers water damage that may be caused when your bath or sink overflows or a pipe or hose inside your house breaks.

Not automatically. However, you can purchase earthquake coverage for an additional premium. For details, see Endorsements for Your Property .

Auto Insurance, Property Insurance, Commercial Insurance, Cleveland, OH #auto #insurance, #sr22 #insurance, #car #insurance, #property


Call today for a quote on Auto Insurance, SR22 Insurance, Car Insurance, Home Insurance, Property Insurance, Commercial insurance in Cleveland, OH.

Call Washington Co Insurance Agency to get quote on Auto Insurance,SR22 Insurance, Homeowners Insuance, Property Insurance, Life Insurance, Health Insurance and Commercial Insurance in Cleveland, Ohio (216) 691-9227 or go online and get an instant quote or fill out form and submit form for quote. For the consumer looking for insurance needs, comparing insurance rates are made easy.

Whether you are looking for insurance for your Auto, Motorcycle, Boat, ATV, Snowmobile, Commercial auto, Car, Truck, Property, Life, Health, or Business insurance, you have come to the right place. If you have tickets or accidents or you need a SR22 for driving privilege, no problem, we have affordable rates.

Do you realize you do not have to own Property such as a Home, Condominium, or Landlord, to get Property Insurance? We also offer Renters insurance because a Fire can happen in any dwelling.

Whether you are looking for Term life, Whole life, or Cash value life insurance policy to cover your Final or Burial expenses our Agency can help. We also carry a free quote on Disability insurance.

We will provide comprehensive Medical Insurance or Health insurance coverage for you and your family. If you have Health insurance coverage at work, this may be fine, but it pays to check. If you are paying for your own group Health Insurance, let us review it. Remember, you may leave that job someday. Will your Health insurance coverage follow? Not likely.

We have competitive rates for virtually every Commercial driver, regardless of driving experience or record. You’ll get even better rates for commercial drivers with clean records and commercial driver’s license experience. Commercial auto insurance coverage for all commercial autos, such as pickup trucks, vans, automobiles and SUVs. Commercial auto insurance also covers trucks, including dump trucks, box trucks, straight trucks, tractor trailer combos and tow trucks.

If you have questions that are not addressed on our website, call Washington and Co Insurance Agency in Cleveland Ohio (216)691-9227 or go online and get instant quote or fill out form and submit form for a quote.

If you are comparing insurance rates on Auto insurance, Car insurance, Property insurance, Life insurance, Health insurance, Business insurance or Commercial insurance, let Washington and Co in Cleveland Heights (216) 691-9227 be your last stop.

New Mexico Property Taxes By County #property #tax, #median #new #mexico #property #tax, #new #mexico



Avg. 0.55% of home value

Tax amount varies by county

The median property tax in New Mexico is $880.00 per year for a home worth the median value of $160,900.00. Counties in New Mexico collect an average of 0.55% of a property’s assesed fair market value as property tax per year.

New Mexico has one of the lowest median property tax rates in the United States, with only eight states collecting a lower median property tax than New Mexico.

New Mexico’s median income is $52,032 per year, so the median yearly property tax paid by New Mexico residents amounts to approximately % of their yearly income. New Mexico is ranked 39th of the 50 states for property taxes as a percentage of median income.

The exact property tax levied depends on the county in New Mexico the property is located in. Bernalillo County collects the highest property tax in New Mexico, levying an average of $1,530.00(0.81% of median home value) yearly in property taxes, while Harding County has the lowest property tax in the state, collecting an average tax of $255.00(0.36% of median home value) per year.

For more localized property tax rates, find your county on the property tax map of New Mexico to the left or in the county list below. Jump to county list ►

New Mexico Property Tax Rates

Property taxes are collected on a county level, and each county in New Mexico has its own method of assessing and collecting taxes. As a result, it’s not possible to provide a single property tax rate that applies uniformly to all properties in New Mexico.

Instead, provides property tax statistics based on the taxes owed on millions of properties across New Mexico. These statistics allow you to easily compare relative property taxes across different areas, and see how your property taxes compare to taxes on similar houses in New Mexico.

The statistics provided here are state-wide. For more localized statistics, you can find your county in the New Mexico property tax map or county list found on this page.

New Mexico Property Taxes

Median Property Tax

Percentage Of Income

Are you paying too much property tax?

Are You Paying Too Much Property Tax?

Statistics show that about 25% of homes in America are unfairly overassessed, and pay an average of $1,346 too much in property taxes every year.

We can check your property’s current assessment against similar properties in New Mexico and tell you if you’ve been overassessed. If you have been overassessed, we can help you submit a tax appeal.

Is your property overassessed?

New Mexico Property Tax Calculator

While the exact property tax rate you will pay will vary by county and is set by the local property tax assessor, you can use the free New Mexico Property Tax Estimator Tool to calculate your approximate yearly property tax based on median property tax rates across New Mexico.

If you would like to get a more accurate property tax estimation, choose the county your property is located in from the list on the left. Property tax averages from this county will then be used to determine your estimated property tax.

Keep in mind that assessments are done on a property-by-property basis, and our calculators cannot take into account any specific features of your property that could result in property taxes that deviate from the average in your area.

Your county’s property tax assessor will send you a bill detailing the exact amount of property tax you owe every year.

New Mexico Property Taxes By County

You can choose any county from our list of New Mexico counties for detailed information on that county’s property tax, and the contact information for the county tax assessor’s office. Alternatively, you can find your county on the New Mexico property tax map found at the top of this page. Hint: Press Ctrl+F to search for your county’s name

Median Property Taxes In New Mexico By County

Home and Property Damage – State Farm #home #and #property #damage,property #damage


Home and Property Damage

Some insurance coverages vary to comply with state laws. Insurance policies vary. What follows is only a general description of coverages and is not a statement of contract.

Report Damage to Your Home and Personal Property

  • Inspect your car, boat and home (inside and outside) for damage. Look at every room in your house and at each side on the outside. List damage that you find. Prepare to report your damage.
  • When you report your claim to State Farm . we will need to know if your house is damaged so severely that you can’t live in it. We will also need to know if a damaged car is safe to drive.
  • Help us handle your claim as quickly as possible by making a complete room-by-room inventory of your damage and your damaged property.

Your claim representative will provide forms that describe the information we need to determine your loss. Please ask your claim representative if you’re uncertain about any information.

Include complete descriptions. These descriptions should include the following if possible:

  • Brand names of items
  • Model numbers of items
  • Age of items
  • Purchase price of items
  • Place of purchase of items
  • Other information may be necessary on certain kinds of property

For your future protection, it would be a good idea for you to make a detailed inventory of all your personal belongings. Taking pictures of your property may be helpful.

What to Expect

  • After you’ve reported your claim, a claim representative will contact you.
  • Generally, claim representatives visit the most severely damaged homes first.
  • The initial visit may be for inspection purposes only.
  • If your house is only slightly damaged, you may wait longer than customers with severe damage.
  • If you can’t live in your house, an advance payment may be available to help you with additional living expenses; that advance payment is available from your agent or from representatives at our claim offices.
  • Save receipts for your additional living expenses for your claim representative.
  • Your claim representative will estimate damage to your house sometimes it’s necessary to have a contractor or engineer also inspect the damage; feel free to obtain your own contractor’s estimate.
  • It is wise to avoid using contractors you know nothing about. Select contractors experienced in repair work, not just new construction.
  • After the damage to your home has been established, our initial payment will be for the actual cash value of your damaged building.
  • Once repairs are completed, you may be entitled to additional payments if your policy has replacement cost provisions; (loss settlement procedures may be different in your state).
  • Some repair costs may not be covered unless you have purchased a specific endorsement.
  • Actual cash value of your personal property will be paid as soon as it is established. Some policies allow for additional payments when items are replaced (your policy and state law govern timing and amounts).

If You Have a Home Mortgage

  • When we pay you for damages to your home, we are required to protect the interest of the company that provides your mortgage, up to the amount of the mortgage balance.
  • This means if there’s a mortgage on your house, your claim payment will include the name of the mortgage company.
  • If your home is damaged, contact your mortgage company about the damage as soon as possible after you’ve reported your claim to State Farm.
  • Be sure to ask about the mortgage company’s procedure for endorsing your claim payment (procedures vary).

Auto Coverage

If you carry Comprehensive Coverage on your Car Policy then, subject to any deductible you may have selected, damage resulting from wind, hail, flood or earthquake will generally be covered.

This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.

Baron Group of Companies – Property for Sale # #property #for #sale #gozo, #turnkey #contractors


Welcome to Baron Group of Companies

The Baron Group started as a small turnkey operation on the Island of Gozo and has now grown into a network of companies with diverse interests. Its investments are spread across both islands, mainly in the land developing and real estate industry. It is also active in tourism, mainly rental of up market holiday homes, as well as in the Insurance and finance business.

The Group is dedicated in providing excellent and complete solutions to the demands of its clients, and specialises in delivering a personalised service to each individual customer. Indeed our client’s needs and personality has been our focus from the beginning, as we are very aware of the influence different living environments have on people and their lifestyles. Meanwhile we are also very sensitive of our responsibilities towards maintaining the amazing architectural inheritance passed on to us by our forefathers. As keepers of this legacy, we go a long way, when planning our projects, to blend with and enhance the surrounding environment nurtured with such care over many centuries.

Our property projects reflect this philosophy. Our houses and apartments combine a pleasant and well-designed milieu with a typical Maltese or Gozitan setting. We merge old farmhouses’ features, like millrooms and even barns, into a functional living environment. We encourage clients to view their projects more as an extension of their personality than just a house and to adapt their briefs, and indeed their lifestyles, to the features and surroundings of their property. Baron Homes’ beautifully restored farmhouses are now scattered amongst the small villages and towns of Gozo and are a source of pride not only for the Group but especially for the owners. At the other end of the spectrum we have succeeded in introducing modern ideas and state of the art building structures, materials and finishes in prime localities. We are pioneers in incorporating environmental and security concepts into high rise projects, continually researching new ideas abroad and adapting them into thelocal scene.

The Group holiday rental arm, Baron Holiday Homes is now established as a prime provider of up market holiday accommodation, on the island of Gozo. Utmost care was taken when choosing our residences, giving great importance in retaining their original features and thereby preserving their own individual character and mystique. Our beautiful farmhouses are situated in the best locations, with spectacular views of the Island landscape and its surrounding Mediterranean sea. Some are in the outskirts of villages enjoying the solitude of the countryside; some overlook bays and coves; some are town houses right in old village cores allowing you to soak up the local lore and traditions; many are centuries old. All properties enjoy full amenities, most with air-conditioning, and one can have a choice of a property with fresh water private pool and/or cultivated garden. Full holiday services are provided, from car hire and airport transfers to land and sea excursions. Baron Holiday Homes’ staff is trained to take care of your individual needs, share their local knowledge, and give advice where it is required. They are there to make it a unique visit for the customer, indeed, an experience to be treasured.

Complementing these lines of business, the Group has retained its original turnkey subsidiary. It is manned with personnel now experts in their own right in refurbishment and conservation techniques. In fact we have been entrusted with a variety of projects from National Heritage buildings to sophisticated commercial premises like banks. These have been very demanding, but, at the same time, extremely fulfilling projects, in the sense that we could put to use our expertise both in the planning and actual execution of the work. The company offers a complete package from design and architect facilities to construction, finishing, mechanical and electrical installation, ELV installations and last but not least consultancy services.

Baron Group’s strive for excellence is on going and bases its commercial success on its core integrity and professionalism in its business relationships.

State of Delaware – Department of Finance – Senior School Property Tax Relief #finance, #revenue,


State of Delaware – Search and Services/Information

Senior School Property Tax Relief

The reports on this website are available in PDF format. This requires the use of an Acrobat Reader version 6.0 or higher, which may be downloaded free of charge from Adobe Systems .


Homeowners age 65 or over are eligible for a tax credit against regular school property taxes of 50 percent (up to $500). This credit may only be used against property taxes on a primary residence.


On June 28, 2012, Governor Markell signed H.B. 209. which made the following changes to the State’s Senior Property Tax program:

  • Three-year Residency Requirement for New Applicants : Individuals who establish legal domicile in Delaware AFTER December 31, 2012, will be required to have been legally domiciled within the State for a period of at least 3 consecutive years in order to be eligible to receive a credit. Individuals who have established domicile in Delaware prior to January 1, 2013, will be eligible to receive the credit in the ensuing tax year.
  • Application Deadline Moved to April 30 : As a result of this legislation, starting in 2013 applications must be filed with and received by the receiver of taxes or county treasurer no later than April 30 immediately prior to the beginning of the tax year. Eligible applicants, however, may turn 65 at any point up to June 30 immediately prior to the beginning of the county fiscal year. For example, an individual who turned 65 on June 15 would be eligible for the credit so long as his or her application was received by April 30.

    • Taxpayers must pay their property tax bill in full by the end of each tax year in order to qualify for this credit for the subsequent property tax year.
    • Application Deadline: April 30th.
    • To qualify, a copy of a valid driver’s license or official state ID is required for each applicant at the time of application.



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    Real Estate Forms – Create a Residential Lease or Property Deed Online #real #estate #forms,


    What would you like to talk about?

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    Protect your investment and your legacy

    Our real estate products will help you manage your real estate and make plans for your future with our high-quality lease agreements and fast and easy real estate deed service. Protect your investment today and have peace of mind about the future.

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    Residential Lease

    A high quality lease agreement to help you reduce risk and protect your investment.

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    Ask away. We have answers.

    Common questions

    Do I even need a written lease?

    Although it might seem like a hassle to create a written lease agreement, having one is critical to protecting your rental property. Generally, any agreement that is for longer than one year has to be in writing. A lease provides a list of legal obligations for both the landlord and tenant and spells out a number of important other details. It provides the foundation for the rental relationship.

    What is the difference between a lease and a rental agreement?

    A lease refers to a set term, often a year; whereas a rental agreement generally renews at the end of the period unless either the landlord or tenant ends it with proper notice.

    What are the most important clauses to include in a lease?

    Real estate leases are essentially made up of clauses that address specific subjects regarding the rental relationship. Each state has its own rules for what clauses or elements to include in a lease agreement. Some of the most common clauses required in a lease agreement in every state include:

    • Basic information including the names of all the tenants; address and description of the rental property; name, address and contact information for the landlord or property management company; lease start date; and length of the rental term.
    • Rental information including the rental amount; when rent is due; where and how to pay rent; security deposit information; and late fee.
    • Limitations including how the property can be used; the number of people allowed to live there; the landlord s obligations; the tenant s obligations; subletting; and alterations.

    While these clauses cover the basics, it is important to that the lease include more provisions to cover potential issues regarding your particular property. Depending on where the property is located, you may also have to include clauses required by your local government.

    When do I need a deed?

    Generally, a deed is required to change ownership to real estate. Some examples include:

    • add or remove someone from the title,
    • transfer the property from one person to another,
    • change the title of your property from your name to the name of your living trust, or
    • transfer property to or from a business entity.

    Will my property be reassessed when I change the title?

    Possibly. A title change can trigger a tax reassessment. However, in many states, certain transfers do not result in reassessment, such as transfers to or from a revocable trust or between family members, such as transfers between spouses or between parents and children.

    Can I use LegalZoom to transfer title when I m selling the property?

    No. There are special rules for property sales which must be followed depending on the county in which the property is located. If you are selling property, we recommend contacting an attorney, escrow company or title company to process the sale.

    A specialist is here to help

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    Weekends 7am-4pm PT

    Speak with an attorney

    Get legal advice from an independent attorney at a price you can afford.

    Helpful Information

    Forming an LLC for Real Estate Investments: Pros Cons

    When you have real estate investment property, figuring out the right strategy to minimize your risk and protect your investment is crucial. Compare the benefits of LLCs and liability insurance, and learn whether or not an LLC is the right choice for your real estate investment. Read full article

    Real Estate Placed in a Living Trust

    If you own a piece of property, you can include that property in your living trust. You will need to change the property s title to reflect the ownership change. If real property is transferred into a trust, there are several additional issues to consider. Read full article

    5 Tips for a Top-Notch Residential Lease

    An important part of being a landlord is having a complete rental lease. Here are our tips for preparing a top-notch residential lease. Read full article

    What Is a Quitclaim Deed?

    Everyone knows that a written document, commonly known as a deed, is needed to transfer title to real property from one person to another. What everyone does not know is that deeds can be complicated and nuanced and take multiple forms, each with its own specific implications and particular best uses. Read full article

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    Maureen P.. Ft. Collins, CO

    Real Estate Forms Create a Residential Lease or Property Deed with LegalZoom

    A residential lease agreement is a contract between a landlord and tenant(s) spelling out the details of an agreement to rent residential real estate. Lease agreements are important because they protect the landlord and their property by minimizing disputes by establishing the obligations of both the landlord and tenant. A real estate lease agreement typically includes the lease term, the amount and frequency of rent, the amount of the security deposit, charges for late payments, maintenance and insurance obligations, and other important details. When you create a real estate lease with LegalZoom, you can personalize your document to fit your specific circumstances. Whether you are renting an apartment, a house, or a room in your house, your apartment lease agreement or rental lease agreement will be based on your particular situation. LegalZoom can also help you create a property deed that allows you to add or remove a person s name from your property title, gift the property to a loved one, or place your property in a living trust. Property deeds contain a description of the real estate, names of the parties, and signature of the person transferring the real estate. LegalZoom offers three types of property deeds: a quitclaim deed. a warranty deed. and a grant deed. A quitclaim deed transfers any ownership rights that the transferring party has on the property to the new owner. With a warranty deed. ownership is transferred from one person to another in which the grantor promises that title is good and clear of any claims. A grant deed transfers ownership and promises that the property hasn t already been transferred to someone else. LegalZoom can help you create a residential lease or property deed online quickly and affordably.

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