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Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure. Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose. Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers. Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death. Mesothelioma treatments and Mesothelioma clinical trials and tests There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques. Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising. Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm. A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body. A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells. A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis. With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests. At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims. Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients. Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers. About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.

Airbnb and other home-sharing services, such as the HomeAway family of websites, have grown tremendously in recent years -– hosting temporary guests can be a good source of revenue. But it is not without risk. Renters thinking of using home-sharing services should consider the insurance ramifications before hosting guests. Tenants need to review the terms of their renters insurance policy, what insurance home-sharing services include, liabilities they face as a host, and other things detailed below. Does Renters Insurance Cover Airbnb and Other Home-Share Guests? What Counts as Occasional Hosting vs. Commercial Activity Do Home-Sharing Services Have Insurance for Hosts? Renters Insurance Endorsements that Cover Home-Sharing How Renters Can Reduce the Likelihood of a Claim Does Renters Insurance Cover Airbnb and Other Home-Share Guests? Yes. Renters insurance policies generally cover damages caused by temporary guests to a rental unit and will protect the renter if a legal guest files a lawsuit against them. Depending on how often a home is temporarily leased, it might even cover damages caused by guests to a renters personal property. Here are a number of caveats that renters need to consider: First, renters need to review the terms of their residential lease agreement. Some leases explicitly state that renters are not permitted to temporarily lease their rental unit to others. The money a renter might be able to make temporarily leasing their home is probably not worth the risk of breaking the terms of a lease and a potential eviction. Secondly, renters need to be aware of any local laws regarding home sharing, even if most are loosely enforced. Allowing an Airbnb guest stay in your apartment when it's not allowed on your lease, or it's prohibited in your city, that's grounds for a renters insurance company to potentially deny your claim. Occasional Hosting vs. Commercial Activity Renters (and homeowners) insurance policies generally cover damages and personal liability of hosting temporary guests through home-sharing services, such as Airbnb, as long as a policyholder hosts them “occasionally.” Most companies define occasional hosting as accommodating temporary guests 90 or fewer days per year. Hosting temporary guests more than 90 days per year generally qualifies as commercial activity, which is excluded from standard renters insurance policies. Renters facing an exclusion because their home-sharing qualifies as commercial activity are potentially leaving themselves vulnerable to financial loss. For example, say a temporary guest injures his or herself in an tenant’s home and files a lawsuit against them. The tenant would have to pay out of pocket for legal fees to defend against the lawsuit, and for any damages they might be ordered to pay, if their coverage was negated. What qualifies as occasional hosting and commercial activity might also differ between cities, counties and states, so renters need to be mindful of how local law define those terms. Remember, being unaware of local laws does not exclude offenders and should be taken into consideration, no matter how likely or unlikely a criminal charge might be. Do Home-Sharing Services Have Insurance for Hosts? Yes. Following a number of lawsuits, most home-sharing services began offering insurance policies that cover hosts and guests, at no additional charge. Some policies even act as the primary coverage for hosts and landlords, such as Airbnb’s Host Protection Insurance. There is overlap between what a typical renters insurance policy covers and what Airbnb's insurance provides, and key differences too. Be aware that insurance coverage offered by a company might differ between countries, states, or municipalities. Airbnb's Host Protection Insurance, for example, is not available in all of the countries where the service is available and the coverage in the U.S. differs between states. For example, if a guest slips and falls in a temporary rental and files a lawsuit against the host, Airbnb's Host Protection Insurance would likely cover that claim before a renters policy. Host Protection Insurance acts as the primary insurance coverage, meaning it covers qualifying losses before other insurance polcies in place will, such as renters insurance. Host Protection Insurance might act as the primary coverage but it does not cover the personal property belonging to the host. If a guest damages a host's personal property, renters insurance would become the primary coverage in that circumstance and might cover those losses. Renters Insurance Endorsements that Cover Home-Sharing Renters insurance companies in the U.S. have taken steps to better define what frequency of short-term home-sharing qualifies as commercial activity, but there is currently no insurance designed specifically to cover that activity. However, there is an optional endorsement on the way that some renters will be able to purchase and bolster their coverage with. Any renter who hosts guests through home-share services should consider this when shopping for a policy. In the fall of 2016, Allstate will begin offering a renters insurance endorsement called HostAdvantage that will cover damages to a renter’s personal property damaged by a guest. Renters insurance might cover a policyholder's personal property damaged by a guest, but only if the renter hosts short-term guests occasionally. Those hosting guests at a frequency considered to be commercial activity would not cover a personal property claim, which is the coverage gap the Allstate endorsement would fill. Allstate’s HostAdvantage will initially be available in seven states: Arizona, Colorado, Illinois, Michigan, Tennessee and Utah. The endorsement is reportedly going to cost about $50 per year, keeping the cost of comprehensive renters insurance coverage reasonably low. The average annual renters insurance premium in the U.S. is $187. How Renters Can Reduce the Likelihood of a Claim No matter how careful a guest might be or how foolproof a rental property is made, accidents can happen. But there are things a renter can do to mitigate the likelihood and severity of a claim against them. Before temporarily renting their home to a guest, renters should make sure all security and safety devices are working properly. Check smoke and carbon monoxide detectors installed in a rental home. These devices are not required for a host to be eligible for a home-share service, but they are strongly recommended as a means to protect guests. Renter should also leave explicit instructions for temporary guests to follow in the event of an emergency. Create a safety card with this information neatly organized. It should include the location of a fire extinguisher, emergency phone numbers, and exit routes. Airbnb hosts can create a safety card online to display in their rental home and to show temporary guests they took the time to create one. Adding a security deposit to a temporary rental listing and requiring verified identification also helps vet guests and might encourage more responsible ones to stay there. Limiting the number of guests permitted to the number a rental unit is intended to accommodate is another way to maintain a safe environment. It’s a good idea to let neighbors know about temporary guests, too. They can keep an eye out for anything suspicious and might be willing to help guests if they have any questions. Another way for a renter to mitigate damages to their unit or personal property is to only rent a room (or even just a couch) to temporary guests. Many tenants choose to temporarily rent their home only while they are away, but services don’t force them to list their home in its entirety. The Sharing Economy vs Home-Share Programs for the Elderly Short-term home-sharing or peer-to-peer services, which include companies such as Airbnb, are not the same as long-term home-sharing programs for the elderly or homeless. Short-term guest services are designed for travelers and other individuals looking for a temporary place to stay and are charged for the time they spend there. Long-term home-sharing programs are designed to assist the elderly and homeless, who are frequently not charged for the time they spend in a home. In return, long-term home-share guests usually assist in housekeeping, cooking and other chores.

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