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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.

There are more than 43 million households occupied by renters in the U.S., which accounts for 37% of all households. Out of those, only 40% of renters have renters insurance, but the number is growing. For a large amount of protection, renters insurance can be quite affordable on average. We studied the average cost of renters insurance across the nation and in each state to show what people typically pay. Average Cost of Renters Insurance How Your Coverage Affects How Much Renters Insurance Costs States With the Cheapest Average Renters Insurance Costs States With the Most Expensive Average Renters Insurance Rates Best Renters Insurance Companies Average Cost of Renters Insurance The average cost of renters insurance is $187 per year in the U.S. This ranges depending on where you live; a typical renter can pay $118 to insure their rented apartment or house in South Dakota, but this figure would be $244 in Mississippi. The below table shows the average renters insurance rate by state, and the difference between the mean in each state compared to the nation. State Monthly Renters Insurance Cost Annual Renters Insurance Cost % Change vs Avg Alabama $19.92 $239 28% Alaska $13.42 $161 -14% Arizona $16.25 $195 4% Arkansas $17.92 $215 15% California $17.25 $207 11% Colorado $14.08 $169 -10% Connecticut $16.33 $196 5% D.C. $13.67 $164 -12% Delaware $12.75 $153 -18% Florida $18.08 $217 16% Georgia $18.83 $226 21% Hawaii $18.42 $221 18% Idaho $13.08 $157 -16% Illinois $14.25 $171 -9% Indiana $15.17 $182 -3% Iowa $12.25 $147 -21% Kansas $14.50 $174 -7% Kentucky $14.25 $171 -9% Louisiana $20.17 $242 29% Maine $12.42 $149 -20% Maryland $13.33 $160 -14% Massachusetts $17.17 $206 10% Michigan $17.25 $207 11% Minnesota $12.42 $149 -20% Mississippi $20.33 $244 31% Missouri $15.17 $182 -3% Montana $12.08 $145 -23% Nebraska $12.50 $150 -20% Nevada $16.08 $193 3% New Hampshire $12.50 $150 -20% New Jersey $13.83 $166 -11% New Mexico $15.25 $183 -2% New York $17.58 $211 13% North Carolina $11.17 $134 -28% North Dakota $9.58 $115 -39% Ohio $15.42 $185 -1% Oklahoma $19.50 $234 25% Oregon $14.00 $168 -10% Pennsylvania $13.00 $156 -17% Rhode Island $15.17 $182 -3% South Carolina $16.33 $196 5% South Dakota $9.83 $118 -37% Tennessee $17.67 $212 13% Texas $19.00 $228 22% Utah $12.08 $145 -23% Vermont $12.83 $154 -18% Virginia $13.17 $158 -16% Washington $14.42 $173 -8% West Virginia $14.67 $176 -6% Wisconsin $10.83 $130 -31% Wyoming $13.00 $156 -17% Show All Rows Typical renters insurance rates are between $15 and $30 per month ($180 and $360 per year). That's just a ballpark number to give renters an estimate of the cost - your quotes will depend on a variety of factors including the location of the rental unit, your personal property coverage, the amount of liability protection, safety features such as burglar and fire alarms and any optional endorsements or floaters for personal property. Having an address near a flood area or in the middle of hurricane territory will drive the average cost up higher compared to other locations. If you or your apartment or house have a history of multiple claims, your insurance premiums will likely be higher. Increasing reimbursement levels for valuable jewelry or electronics will increase average rental insurance costs too. While well below the average cost of homeowners insurance, costs have been relatively stagnant in recent years. Between 2010 and 2015, the mean cost of renters insurance increased 1.6%. Find the Cheapest Insurance Quotes in Your Area Insurance Type Zip Code Zip Code Currently Insured? Find Insurers How Your Coverage Affects How Much Renters Insurance Costs Outside of your location and insurance claims history, the main factor affecting how much rental insurance costs will be the coverage limits you select. Further, changing personal property limits will affect premiums much more than personal liability limits will. A typical renters insurance policy might cover theft and damage to your personal property up to $25,000 and personal liability insurance up to $100,000. However, these limits are generally customizable for your needs. Depending on your insurer, it may be possible to get limits of up to $1 million for both categories. Changes in property coverage have a much larger effect on your premium than changes in liability coverage. For most renters, $100,000 in liability insurance coverage will probably be sufficient, but you can often raise your coverage to $300,000 with only a minimal increase in your annual premium. For example, we found that increasing your renters liability coverage from $100,000 to $300,000 increased average annual premiums by only 5% to 6%. Below we've compiled a table showing how your annual premium might change based on different coverage options. The numbers represent the average price of renters insurance offered in New York City by major insurance companies using similar coverage and a standard $500 deductible. Personal Property Limit Personal Liability Limit Annual Renters Insurance Premium $15,000 $100,000 $124 $15,000 $300,000 $132 $25,000 $100,000 $153 $25,000 $300,000 $161 $50,000 $100,000 $224 $50,000 $300,000 $236 Picking the appropriate limits for property damage and liability coverage are some of the most important decisions to make when buying a renters insurance policy, but they aren't the only choices that affect how much renters insurance costs. Your rates will also change depending on your selection of deductible, how your insurer values your belongings, whether you add endorsements for high-value items and the presence of safety features in your home or apartment. How Your Deductible Affects Renters Insurance Costs A renters insurance deductible is the amount of damage costs you're responsible for when you make a claim. A typical renters insurance deductible is either $500 or $1,000, but you will often have the option to select from a range of choices. Choosing a higher deductible means you'll be responsible for a larger share of the costs in the event that you make a claim, but it also means you'll pay lower rates. The right choice of deductible will depend on how comfortable you are with the risk of potentially paying more out of your pocket if something goes wrong. Regardless, you should always check how changing your deductible will affect your rates, which you can usually do using an insurer's online quote tool. We recommend selecting lower deductible plans when possible given the potential costs of making a claim. How Item Valuation Affects Renters Insurance Costs The type of item valuation in your policy will also affect how much your renters insurance costs, and if you select a policy with more generous valuation for your belongings you'll pay a higher premium. Usually, you can choose renters insurance policies that value your items on either an actual cash value (ACV) or replacement cost value (RCV) basis. If you choose an ACV policy, the cheaper of the two, you will be reimbursed for damaged property based on its current value, including wear and tear. So a damaged 10-year-old television that cost $1,000 when you bought it may be worth very little now, depending on insurer calculations. As a result, your insurer's reimbursement for the damage can be quite a bit lower than the original price you paid. An ACV policy may be a good choice if you're looking to lower the cost of your renters insurance policy and if you own a lot of new things that haven't lost much value. If you purchase a RCV policy, the more expensive of the two, your reimbursement will be based on an item's current value, excluding wear and tear. So your insurance company would reimburse you for the damaged television based on the cost of a new television of similar specifications in today's market. An RCV policy may be a good choice if you don't mind a slightly higher rates and you're looking for a more generous reimbursement from your insurer when you make a claim. How Endorsements for High-Value Items Affect Renters Insurance Costs Coverage of high-value items like jewelry or art may be excluded from a standard renters insurance policy, or the items in question may only be covered up to separate, lower limits. In these instances, renters insurance will cost extra if you purchase an endorsement to obtain or increase coverage for a certain type of item. Purchasing an endorsement will increase the cost of your renters insurance policy, but the coverage might be vital if you have high-value goods which have limited or excluded coverage in a standard policy. How Safety Features Affect Renters Insurance Costs If you can prove you're a lower-risk customer you'll often pay lower rates, so if you're a tenant with fire alarms, burglar alarms, deadlocks or other safety features, you may be entitled to a discount from your insurer.

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