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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.

What Is Renters Insurance? What Does It Cover? Find the Cheapest Insurance Quotes in Your Area Insurance Type Zip Code Zip Code Currently Insured? Find Insurers Renters insurance covers costs associated with damage to your personal property, personal liability damages, emergency medical expenses for guests and living expenses if your apartment becomes unlivable. However, not every event related to these categories will be covered by your renters insurance policy, as certain events or "perils" are excluded. Before you make a claim, read on to be sure it will be accepted by your insurance company. We recommend anyone renting a residence to consider purchasing a policy as an affordable way to protect you from the financial impact of these events. What is Renters Insurance? What Does Renters Insurance Cover? What Does Renters Insurance Not Cover? How Does Renters Insurance Coverage Work? What is Renters Insurance? A simple definition of renters insurance is a policy for people who don't own the property they live in that will protect them from unexpected personal property damage costs and legal liability. Renters insurance can be bought by anyone renting an apartment, condo, home or other living space. Although the policy is similar to homeowners insurance, key differences include: Renters insurance does not cover the structure, or dwelling, of where the tenant lives. Damage to the building is the landlord's responsibility, who will likely cover these risks with a landlord insurance plan. Renters insurance is much more affordable than homeowners insurance. If you're interested in purchasing renters insurance you'll have a variety of options, from established insurance names such as State Farm and Allstate to newcomers like Lemonade or Jetty. What Does Renters Insurance Cover? Renters insurance generally provides financial protection through four coverage types. Personal property damage: If your personal property is damaged in a covered peril, your renters insurance company will cover the cost of the damage up to your policy's limits. A covered peril is a damaging event listed in your policy such as fires, wind and theft. Personal liability: If someone is injured on your residence, and the event is found to be due to your negligence, your policy will cover the costs of legal liability. A standard policy covers up to $100,000 in liability costs. Additional living expenses: If your rental home or apartment becomes uninhabitable, your renters insurance policy will cover the expenses. Medical Payments: Coverage for medical costs if a guest is injured on your property. Combined, these coverages provide tenants with substantial financial protection against unexpected events, but it's important to understand which situations you'll be covered under these categories, and which you won't be. Your Personal Property Is Covered by Renters Insurance For Common Perils The central feature of renters insurance is coverage of your personal belongings from common sources of unexpected damage. Personal property includes almost everything you own in and outside your rental unit or home. You may be thinking that you don't own many things, so why would you need to get them insured? When you tally it all up though—your furniture, bed, computer, electronics, clothing, and other items—you may find you own more than you think. For example, Allstate estimates that, for a standard two-room apartment, the value of the average renter's personal property in the U.S. is approximately $30,000. That is not an easy amount to replace. Renters insurance will give you the peace of mind that you will be reimbursed for your stuff. Before purchasing your policy you should take an inventory of everything in your home to understand how much you'll need to get covered. Estimate the worth of all your belongings from the smallest item to the largest and save that list somewhere. Finally, you should know that not everything that causes damage will be covered by renters insurance. It's generally true that if your stuff is damaged in a fire, it's covered by renters insurance, but if it's damaged in a flood, it's not covered. However, coverage can be specific to your insurer and its policies so you should always double-check to make sure. We discuss what is typically covered and typically not covered by renters insurance below. What is Covered by Renters Insurance? Fire and Lightning Wind and Hail Explosions Smoke Damage Theft Vandalism Water Damage Mold Volcanoes Falling Objects Storage Units Snow and Ice Collapse Renters Insurance Covers Fire and Smoke Damage Costs associated with fire and smoke damage are covered by every renters policy. According to the National Fire Safety Administration, residential fires average over $7 billion in damages per year, with the largest single cause of damages coming from electrical malfunction, averaging 15% of all dollar losses per year. However, every type of accidental fire will be covered. It doesn't matter whether a fire started because a pet knocked over a candle or something was left on the stove. Renters Insurance Covers Storm Damage by Wind, Lightning and Hail Damage caused by storms is also covered in all renters insurance policies. If a storm rolls into town and your personal belongings are damaged by wind, lightning or hail, your insurer will reimburse you. Renters Insurance Covers Theft If you ever worry about your stuff being stolen, a renters insurance policy can calm your fears. Your theft protection starts in your apartment and follows you anywhere you go. So if your stuff is stolen from you, inside or outside your home, your renters policy will take care of it—up to the limits of your coverage. For people who live in areas with a high rate of theft, such as college towns, renters insurance should be a must. Renters Insurance Also Protects Against Vandalism Damages due to vandalism are also covered. If your personal property is damaged by some mischievous egg-throwing teenagers, your insurance will pay for the costs associated with the damage. Just be aware that you likely have a deductible on your policy, which is the amount of damage you'll have to cover out of your own pocket. You're unlikely to find a renters insurance deductible below $250, and a few eggshells on your porch is unlikely to have caused damage exceeding that number. Also, renters insurance companies will generally exclude any coverage if the event takes place after a home has been vacant for more than 90 consecutive days. Renters Insurance Protects Against Water Damage But Not Flooding In the eyes of insurance companies, water damage and flooding are two different things, and only water damage is covered by a renters insurance policy. Water damage to your belongings may be caused by leaking water or a burst pipe. In this case you're covered. If it is a flood, an act of nature resulting in water coming from outside your house, you generally are not covered. So if you live in Manhattan and there is a storm surge, flooding your downstairs, you won't be covered unless you have separate flood insurance. Renters Insurance May Cover Mold - To A Point Mold damage will be covered as long as the mold is caused by another peril covered in your policy. For instance, if water damage leads to mold growth, your insurer will cover the cleanup. Policies may automatically include mold coverage up to a certain limit, such as $5,000, or offer it as a policy add-on at an additional price. However, it's important to capture the infestation early. If you catch mold before it festers, not only will the standard $5,000 coverage likely be enough to cover the costs, but you will ensure that you don't lose coverage of the mold due to negligence. A renters insurance policy will never cover a peril if you're negligent, meaning that you allowed a foreseeable issue to come about. Finally, if mold is caused by a building defect, then it becomes the property owner's responsibility, and your landlord's building insurance will have to cover those damages. Renters Insurance Protects Items in a Storage Unit Up To Specified Limits If you have property stored off premises in a storage bin, it would still be covered under your renters policies up to a certain amount. Usually a renters policy will limit coverage for storage unit items up to 10% of your total coverage. So if your policies gives you $30,000 worth of coverage for personal property, the items in your storage unit will generally be protected up to $3,000. Renters Insurance Covers Liability Damages Most renters insurance policies include $100,000 of liability protection covering the costs associated with a lawsuit or damages. Although any one person is unlikely to have a lawsuit filed against them, the damages can be extensive in the rare instance it happens. Say a visitor trips and and injures themselves. They could potentially file a lawsuit against you to cover their medical bills. If someone were to pass away in your home, you would be financially shielded from any potential lawsuits from the person's next of kin. Attorney fees will account for most of the cost of a lawsuit itself, but liability will also cover any bodily injury or property damages a policyholder might be ordered to pay a plaintiff. The only caveat is that insurance companies commonly write into their policies that it will only cover the expenses of an attorney of their choice. The attorneys appointed by insurance companies are generally experienced litigators and do work in favor of their assigned clients. Renters Insurance Covers Additional Living Expenses If your apartment were to become unlivable, your renters insurance will pay or help pay for the cost of living somewhere else. You should note that this coverage only applies if your dwelling becomes unlivable due to a covered loss—in other words, one of the perils named in your renters insurance policy. If your apartment in San Francisco or Manhattan burned down, it would be pretty costly to have to live in a hotel in one of those cities. Eating out every night would only add to that bill as well. If you have renters insurance though, both are covered up to the limits of your policy. If you live in an expensive city, it may be prudent to increase the limit on this part of your policy. Renters Insurance Covers Emergency Medical Payments Renters insurance policies include medical payments to cover guests if they're injured on your residence. This might include their hospital stay, surgical procedures, x-rays, dental expenses and other related costs. Unlike liability coverage, the fault of the injury does not matter, so regardless of cause your guest can be covered under this category up to policy limits, which usually range from $1,000 to $5,000. This coverage extends exclusively to guests so it won't cover anyone who lives on the property or is listed on your policy. Miscellaneous Things Covered by Renters Insurance In addition to the four primary coverages, renters insurance policies often provide other supplementary coverage. Debris removal (if necessary after a covered loss) is typically included, along with emergency repairs necessary to protect covered property. An example of this might be if a fire destroys the interior of a renter's unit and they are responsible for removing what is left of their belongings. A necessary emergency repair would also include boarding up a door or window to secure a residence after someone broke into it. Renters insurance usually covers service charges up to about $500 from a fire department, as long as a service call was related to a covered event. You cannot file a claim for this otherwise. Although uncommon, some renters insurance policies will cover building additions and alterations a renter might have made to their home. The majority of building owners or landlords do not allow such changes to be made to a rental, at least without their permission. However, if a renter did invest their own money in an addition or alteration, they might be able to file a claim for it if it were damaged. If you do make an addition to the property, you should inform your insurer in advance so they're aware of the change. This coverage will usually be limited as a percentage of your overall policy limits. For example, an insurer may cover damages to improvements made by you to the building up to 10% of your policy's personal property coverage limits.

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