The Joe Luca Show covered five issues that can affect a homeowner’s rights, costs, and resale value. Here is a practical recap of what each topic means—and what to do next if it applies to your Rhode Island property.
Liens, Easements, and Encroachments
A lien can create a financial claim against a property. An easement gives another person or organization the right to use part of the property for a specific purpose. An encroachment occurs when a structure or improvement crosses a property line.
These issues can delay a sale, complicate financing, or create disputes between neighbors. Before buying or selling, review the title work, survey information, and property disclosures carefully. If something is unclear, speak with the appropriate Rhode Island attorney, title professional, or surveyor before making a decision.
Title Insurance: Why It Matters
A title search looks for recorded ownership problems, unpaid liens, and other defects. Title insurance may protect against certain covered problems that were not discovered before closing. Lender’s title insurance protects the mortgage lender; an owner’s policy is designed to protect the buyer’s interest, subject to the policy’s terms and exclusions.
Do not treat title insurance as a substitute for reading the title commitment and asking questions about exceptions. Buyers should understand what is—and is not—covered before closing.
Deeds, Titles, and Ownership
A deed is the legal document used to transfer ownership. “Title” describes the legal rights associated with ownership. The way names appear on a deed can affect control, inheritance, and what happens when an owner dies.
Because ownership choices can have legal and estate-planning consequences, buyers should get advice from a qualified Rhode Island attorney when deciding how to take title.
How to Improve a Home’s Appraisal Readiness
Appraisers consider the property’s condition, features, location, and relevant comparable sales. Owners can help by completing visible repairs, improving curb appeal, making the home easy to inspect, and preparing a concise list of meaningful upgrades with dates and permits when applicable.
An improvement does not automatically return its full cost in appraised value. Focus first on deferred maintenance and the items most likely to affect buyer confidence. If you are preparing to sell, read Should You Sell Your Rhode Island Home Now or Wait?
Real Estate Risk Management for Homeowners
Good risk management starts with understanding the property, insurance coverage, maintenance responsibilities, and legal documents before a problem appears. Review insurance limits and exclusions, keep records of repairs and improvements, budget for major systems, and respond quickly to water intrusion, safety issues, or title concerns.
For a deeper look at expenses that can catch owners off guard, read The Hidden Financial Risks of Homeownership in 2026.
Continue Learning
- Explore the Rhode Island Homeowner Guide for practical local guidance.
- Contact Joe Luca if you are planning a move or need help identifying the right local professional.
Reviewed August 29, 2026. This article provides general educational information and is not legal, tax, insurance, appraisal, or financial advice.
Joe is a Licensed REALTOR, providing Residential Real Estate Services in Massachusetts and Rhode Island and Income Property Advisory Services nationwide.
Joe is 2018 President of the Rhode Island Association of REALTORS. Member, Board of Directors, National Association of REALTORS®.
Joe has worked with many 501(c)3 corporations as a Broker and volunteering his time, skills, and services.
