Blog
Guides, tips, and state-specific information about lease agreements and rental transactions.
Is Renters Insurance Required by Law? What Renters Actually Have to Carry
No US state forces a tenant to buy renters insurance, so the legal answer is no. The reason so many renters carry it anyway is that a landlord can require it in the lease, which turns it into a contract obligation rather than a legal one. Here is what that distinction means for you.
Jill Stradley · July 2, 2026 at 11:45 AM ET 
Arkansas Lease Agreement Requirements: What Landlords Must Include
Arkansas treats landlords and tenants differently than most states, and a few of those differences show up directly in the lease. This guide walks through the deposit cap, the small-landlord exemption, disclosures, and notice periods so your Arkansas lease holds up.
Paul Oak · July 1, 2026 at 11:49 AM ET 
What HUD Fair Market Rent Is and How to Use It to Price Your Rental
HUD publishes a Fair Market Rent figure for every area in the country, and many landlords misread it as a rent cap. It is not. Used correctly, FMR is one useful reference point for pricing your rental, not a ceiling on what you can charge.
Paul Oak · June 30, 2026 at 11:00 AM ET 
Washington DC Month-to-Month Lease: Notice and the Rules Landlords Miss
A DC month-to-month tenancy is not the easy off-ramp landlords expect. The 30-day notice is only half the story, because DC generally requires a legal for-cause reason to end even a month-to-month arrangement. Here is what trips owners up.
Paul Oak · June 29, 2026 at 11:15 AM ET 
Florida's Radon Disclosure: What Every Lease Must Say
Florida law requires most rental agreements to include a specific radon gas notice, with wording set by statute. It is a short paragraph, but leaving it out means your lease is missing a legally required disclosure. Here is exactly what the notice says, who it applies to, and how it fits with the federal lead-paint rule.
Jill Stradley · June 28, 2026 at 12:22 PM ET 
How to Handle a Security Deposit Dispute as a Tenant
A landlord keeping more of your deposit than you think is fair is one of the most common renting disputes there is, and tenants lose them constantly for one reason: no proof. The deductions you can fight come down to what you documented, and most of that happens before you ever move out.
Jill Stradley · June 26, 2026 at 11:46 AM ET 
Are Lease Options and Rent-to-Own Agreements Legal in Texas?
Rent-to-own deals are legal in Texas, but the state regulates them more tightly than almost anywhere else. If your agreement is an executory contract for conveyance, strict disclosure and recording duties kick in. Here is what that means for sellers and buyers.
Paul Oak · June 25, 2026 at 11:51 AM ET 
Ohio Lease Agreement Requirements: What Landlords Must Include
Ohio gives landlords more room than many states, with no statewide rent control and no cap on security deposits, but that freedom comes with specific duties that trip up landlords who assume the lack of limits means a lack of rules. Here is what an Ohio lease has to get right.
Paul Oak · June 24, 2026 at 11:52 AM ET 
What Happens to a Lease When the Tenant Dies?
A lease does not simply vanish when a tenant passes away. The obligation usually moves to the tenant's estate, and many states give the estate a written way to end the lease early. Here is how rent, the deposit, and belongings get handled.
Paul Oak · June 23, 2026 at 11:11 AM ET 
Should You Allow Subletting in Your Lease?
Banning sublets feels safe, but a flat no can backfire when a tenant has to move and does it anyway without telling you. The smarter move for most landlords is not yes or no, it is a clause that allows subletting only with your written approval, on your terms.
Jill Stradley · June 22, 2026 at 1:41 PM ET 
What a Move-In Checklist Is and Why Your Lease Needs One
A move-in checklist is a written record of the unit's condition on the day you take the keys, and it is the single best protection you have against a security deposit dispute later. It protects the landlord too, by documenting what was already damaged before you arrived. Some states actually require one in writing, and here is how to use it well.
Jill Stradley · June 21, 2026 at 7:22 PM ET 
What Landlords Must Disclose About Mold and Lead Paint
Two disclosures sit in a category of their own because one is federal law with real penalties and the other is a growing patchwork of state rules. Get the lead paint disclosure wrong on an older home and the fines are severe. Mold is murkier, but ignoring it is its own risk.
Paul Oak · June 19, 2026 at 2:32 PM ET 
How to Prorate Rent for a Mid-Month Move-In
When a tenant moves in partway through the month, charging a full month is unfair and charging nothing leaves money on the table. Prorating splits the difference by the day, and the only real question is which method you use to do the math. Here is how to get it right.
Jill Stradley · June 18, 2026 at 11:47 AM ET 
Can You Have Two Tenants on One Lease? Joint and Several Liability Explained
When roommates sign one lease, a phrase most of them never notice decides what happens if one stops paying. Joint and several liability means each tenant can be held responsible for the entire rent, not just their share. It is the most important clause nobody reads.
Paul Oak · June 17, 2026 at 12:15 PM ET 
What Is a Grace Period for Rent and How Long Should It Be?
A rent grace period is one of the most misunderstood lines in a lease. Tenants think it means rent is not really due until it ends, landlords think it is optional, and some states quietly require one. Here is what a grace period actually is and how to set one that holds up.
Jill Stradley · June 16, 2026 at 12:36 PM ET 
How to Write a Pet Addendum for Your Lease
Letting a tenant keep a pet without putting the terms in writing is how a friendly yes turns into a chewed door and an argument over who pays. A pet addendum spells out the rules, the fees, and the consequences, so everyone knows where they stand before the dog moves in.
Paul Oak · June 15, 2026 at 12:32 PM ET 
How to Write a Sublease Agreement That Protects You
Subleasing can rescue you from paying for an apartment you are not using, but it can also leave you on the hook for a subtenant who stops paying or trashes the place. In a sublease you stay responsible to your landlord for everything, which is exactly why the agreement has to be built to protect the original tenant.
Paul Oak · June 12, 2026 at 1:14 PM ET 
Month-to-Month vs. Fixed-Term Lease: Which Is Right for You?
A fixed-term lease and a month-to-month agreement are not just different lengths of the same thing. They protect you in opposite directions, one buying certainty and the other buying flexibility. The right choice depends entirely on which of those you value more, and the trade-off looks different for a tenant than for a landlord.
Jill Stradley · June 11, 2026 at 11:57 AM ET 
Can a Landlord Enter Without Notice? Tenant Rights by State
Your landlord owns the building, but once you sign a lease, the right to enter is not unlimited. A legal right to privacy comes with the tenancy. Here is when a landlord can come in, how much notice they owe you, the one situation where they can walk in unannounced, and what to do if they overstep.
Paul Oak · June 10, 2026 at 1:06 PM ET 
New York Lease Agreement Requirements: What Landlords Must Include
New York rewrote much of its rental rulebook with the Housing Stability and Tenant Protection Act, and the changes reach every residential lease in the state. A lease drafted from an out-of-state template or an old form can quietly violate current law, and in New York that is an expensive thing to get wrong.
Paul Oak · June 9, 2026 at 12:09 PM ET 
How Much Can a Landlord Raise the Rent? Rules by State
There is no single national answer to how much a landlord can raise the rent. In most of the country there is no cap on the amount, only rules about when and how. In a handful of places there are hard limits. Knowing which situation you are in is what keeps a routine increase from becoming a legal problem.
Jill Stradley · June 8, 2026 at 12:05 PM ET 
How to Draw Up a Simple Lease Agreement
A lease can be one page and still hold up, or ten pages and fall apart. Here are the 10 things a simple lease needs, and the one most people leave out.
Jill Stradley · June 5, 2026 at 12:25 PM ET 
Is a Lease Agreement a Legal Document?
Understanding why a lease is a legal document, and what that actually means for both sides, matters more than most people realize until they end up in a dispute...
Jill Stradley · June 4, 2026 at 12:11 PM ET 
How to Create a Lease Agreement Online (And Make Sure It Holds Up)
You can create a lease agreement online in a few minutes, and it is just as binding as one a lawyer drafts. The difference between a lease that protects you and one that doesn't comes down to what goes into it and whether it follows your state's rules. Here's how to get it right.
Paul Oak · June 3, 2026 at 12:26 PM ET 
What Are the 4 Types of Leases?
When people search for the four types of leases, they usually mean the four ways a residential tenancy can be structured under landlord-tenant law. Each one creates a different relationship between landlord and tenant, with different rules for how long it lasts, how it ends, and what notice is required. Knowing which one you have, or which one you want, determines what document you need and what rights each side has...
Paul Oak · June 2, 2026 at 1:25 PM ET 
Can I Write My Own Lease Agreement?
You can write your own lease agreement. There is no law requiring a lease to be drafted by an attorney, and a lease you write yourself is just as legally binding as one a lawyer charged you $500 to produce. The question is not whether you are allowed to. The question is whether the lease you write will actually hold up when you need it to, and that is where most do-it-yourself leases fail.
Jill Stradley · June 1, 2026 at 11:51 AM ET 
What Happens to a Lease If the Landlord Dies?
When a landlord dies, the lease does not die with them. This surprises a lot of tenants who assume the agreement was personal to the individual they signed with. It was not. A lease is a contract attached to the property, not to the person who owned it. The tenant's right to occupy the unit and the obligations on both sides continue after the landlord's death, transferring to whoever inherits or controls the property next...
Jill Stradley · May 29, 2026 at 1:02 PM ET 
What Happens If a Landlord Breaks the Lease?
Most lease discussions focus on what happens when a tenant violates the agreement. But landlords break leases too, and when they do, tenants have real legal remedies. A landlord who sells the property mid-lease, enters without notice repeatedly, fails to make required repairs, or tries to force a tenant out without going through proper eviction procedures is in breach of the lease. What the tenant can do about it depends on how serious the breach is, what the lease says, and what state the property is in...
Paul Oak · May 28, 2026 at 12:08 PM ET 
Can a Landlord Say No to an Emotional Support Animal?
A no-pets policy does not apply to emotional support animals. That is the short answer. The longer answer is that landlords can say no in a small number of specific situations, and understanding where those exceptions start and stop is important for both sides of a lease. Getting this wrong is expensive. A landlord who denies a legitimate ESA request can face a federal Fair Housing Act complaint, civil liability, and HUD investigation. A tenant who misrepresents documentation to obtain ESA accommodation is committing fraud...
Paul Oak · May 27, 2026 at 1:56 PM ET 
How Much Can a Landlord Charge for a Broken Window?
A broken window is one of the most common move-out disputes between landlords and tenants. The landlord wants to charge for it. The tenant says it was already cracked when they moved in, or that it broke on its own, or that it is normal wear and tear. Who is right depends on how the window broke, what the lease says, and whether the landlord documented the window's condition at move-in...
Jill Stradley · May 26, 2026 at 1:47 PM ET