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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.



Renters insurance for an apartment is no different than renters insurance for a single-family home. Apartment renters insurance offers the same coverages for personal property, liability and loss of use. But life in an apartment building is different than that of a single-family home, and more likely to have neighbor-related issues or perils, that might lead to an insurance claim. Cost of Apartment Renters Insurance Rental Insurance Coverages for Apartments Perils & Problems Apartment Renters Might Face Unlikely Apartment Rental Insurance Claims Cost of Apartment Renters Insurance Generally, the cost to insure an apartment is much less than that of a single-family, freestanding home. The reason is that renters insurance does not cover the apartment or freestanding home itself – only a renter’s personal belongings, liability and loss of use expenses. The type of rental property is does not directly impact the price of a policy. In the U.S., the average cost of a renters insurance is $187 per year. That’s much less expensive than the average cost of homeowners insurance ($1,083). A variety of factors will affect your price and we recommend you shop for renters insurance quotes for apartments before choosing a policy. Rental Insurance Coverages for Apartments Renters insurance includes three basic coverages that impact the cost of a policy for your apartment. Typically, standard renters insurance policies come with claim limits for each. But anyone can customize their apartment insurance by increasing any limit independently or by adding endorsements or floaters to their policy. If you're wondering whether you need renters insurance for an apartment—we generally recommend it—you can see what these three basic coverages provide you with below. Personal property coverage: Personal property coverages pays to repair or replace a renter’s belongings up to a defined limit of a policy. Standard rental insurance policies some with at least $15,000 in coverage but policies holders have the option to purchase more coverage and increase their claim limit. Remember that earthquakes, flooding and sinkholes are usually excluded from personal property coverage, regardless of the type of rental someone inhabits. This covers belongings inside of your apartment, and outside - including in your car, or on your body while you're traveling. Many renters don't feel a need to buy insurance because they don’t think their belongings are valuable enough to warrant the cost of a policy, but the truth is almost all renters underestimate the value of their personal property. If you're renting a small studio apartment, you may not own as many things as someone living in a 5,000-square-foot home. However, the few items you possess may be worth a considerable amount of money. For example, you might own a television, computer, tablet, some furnishings and kitchen utensils – all which don’t take up much room but can be expensive to replace. Apartment personal liability protection: Damages to someone else or their property that a renter might be liable for could be financially crippling, which is why this coverage is so important. Personal liability protection pays for damages (including medical bills) to another person or to repair or replace their personal property. Most renters insurance policies, whether you’re renting an apartment or a single-family home, include at least $100,000 in liability protection. Loss of use of the apartment: Although unlikely, there might be a circumstance when an authority might declare a renter’s apartment uninhabitable. But renters still have to go to work, eat and continue living their lives until they can return home or find a new permanent residence, which is where loss of use coverage comes in handy. It reimburses policyholders for expenses like hotel stays, dining out and alternative transportation up to the limit of a policy. Perils and Problems Apartment Renters Face Even though rented apartments and single-family homes both should have renters insurance, they don’t necessarily face all of the same perils. There are certainly claim-warranting situations that occur more frequently in an apartment than another type of rental. We’ve detailed some of those below. Damage to your belongings caused by neighboring tenants: Water or fire damage from another apartment is something that happens in apartment buildings. No matter how careful a tenant might be, they are (on some level) at the mercy of their neighbors who might surround their unit on all sides. A bathtub might overflow in the apartment above a policyholder's, leak into their apartment, and ruin their belongings. Smoke or flames from a candle in an adjacent apartment might do the same. Either circumstance could be grounds for filing a renters insurance claim. A renter living in a single-family home might not have to worry about their neighbors as much when it comes to their bathtubs flooding or fire hazards. Liability claims: Liability claims are something any renter might have to file, whether they call an apartment or a freestanding house their home. The best example of this is a liability claim related to a dog bite. Any damage or medical expenses related to a policyholder’s dog are covered by renters insurance liability. A dog probably isn’t more or less likely to bite someone if it lives in an apartment than if it lives anywhere else. Even if an applicable event doesn't happen in your apartment, personal liability protection often follows policyholders wherever they go. If your dog bites someone on its daily walk in your neighborhood, leading to a lawsuit, legal costs may be covered by your renters insurance liability. Higher likelihood of a loss of use claim: Apartment renters are probably more likely to use loss of use coverage than anyone. Generally, apartments are adjacent to at least one other unit, making them more susceptible to major problems that could result in them having to temporarily leave their home. Again, no matter how careful an apartment renter might be, their unit is at the mercy of whatever happens on the other side of a wall. Freestanding homes might have a driveway, a whole yard, or more between them and their nearest neighbor. That buffer would insulate a renter from having to file claims for their personal property or loss of use. This is especially the case for apartments that share a single common entrance with many other tenants. For example, say a fire, flood or some other peril prevents an apartment building's tenants from safely entering or leaving. That circumstance could potentially affect a large number of renters and warrant a loss of use claim, even though their individual units remain unaffected. More frequent use of home-sharing services: The risks associated with home-sharing services, such as Airbnb, are not exclusive to tenants of apartments (there any also many homes listed on home-sharing service websites). However, they are more commonly used in urban areas with more travelers. The good news is that renters insurance does protect tenants from certain damages related to temporary guests. Unlikely Apartment Rental Insurance Claims While apartments share most of the same risks with freestanding rental homes, there are some exceptions. Here are some examples of potential claims that apartment renters don’t have to worry about making: Pool and garden liabilities: Renting a single-family home might come with some perks, like a swimming pool or a garden. But those perks can also be liabilities. For example, if someone rents a home with a private pool, they could be found liable for any damages related to it, whether someone had permission to use it or not. Pools are considered an “attractive nuisance” and children might be tempted to use them -- that’s why most local laws require pools to be fenced in. When it comes to a garden or landscaping, renters are sometimes responsible for their upkeep and responsible for informing visitors of any potential hazards related to them. For example, if there is a hole in the yard where a bush is waiting to be planted, renters are obligated to do their best to inform others of that hazard, otherwise they could be considered negligent. Sump pumps: Apartment tenants don’t need to worry about a sump pump. If you rent a freestanding home with a basement, a sump pump is something you are responsible for maintaining. The devices remove excess water from the sump basin of a home to prevent its basement from flooding. Most renters insurance policies won’t cover water damage related to this, but tenants should add an endorsement for sewer and drain back up to their policy to protect against these damages.

HALAMAN SELANJUTNYA:


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