Georgia Buzzard
Roommates and Renters Insurance: Do You Need Separate Policies?
Sharing a rental with roommates can save costs, but renters insurance isn’t always shared. Learn why separate policies are often better and how they protect your belongings, liability, and living expenses.
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Georgia Buzzard
Key Differences Between Medicare and Medicaid: Understanding These Government Health Programs
Learn the key differences between Medicare and Medicaid, from eligibility to coverage options, costs, and benefits. Understand which program suits your needs best.
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Georgia Buzzard
Can a Landlord Require Renters Insurance?
While not legally required by federal or state law, landlords can include renters insurance as a lease condition. Once a tenant signs the lease, they’re contractually obligated to obtain and maintain coverage. This protects both parties – landlords from liability and tenants from personal property loss or liability claims. Enforcement is valid if clearly stated in the lease, though mid-lease changes require tenant agreement. Renters should understand policy details and check local laws to ensure compliance.
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Georgia Buzzard
Does Medicare Pay for Nursing Home Care?
Medicare does not cover long-term custodial care in nursing homes, such as help with daily activities like bathing or eating. It only pays for short-term skilled care under specific conditions – after a hospital stay and within a Medicare-certified facility – for up to 100 days. For ongoing care, families must turn to Medicaid, long-term care insurance, or private funds. Planning ahead is crucial to avoid unexpected costs and ensure proper support for long-term needs.
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Georgia Buzzard
Who Is Covered Under Renters Insurance?
Renters insurance protects your belongings and provides liability coverage for accidents. It typically covers the policyholder and family members in the same household, but not roommates. Coverage includes personal property, liability, and additional living expenses, with exclusions like floods and pest damage.
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