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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Georgia Buzzard
Can You Hide Smoking from Life Insurance Companies?
Trying to hide smoking from life insurance companies is risky and often backfires. Insurers use medical exams, health records, and prescription data to detect nicotine use – even for no-exam policies. Misrepresenting your smoking status can lead to delayed applications, policy cancellations, or denied payouts, especially if discovered within the first two years. Whether you vape, smoke occasionally, or are quitting, honesty is the safest route. Being upfront ensures valid coverage and protects your family when it matters most.
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Georgia Buzzard
How Climate Change Has Impacted Home Insurance Rates
Climate change is driving up home insurance rates as extreme weather events become more frequent and severe. Insurers are using new climate risk models, raising premiums, limiting coverage, and even exiting high-risk areas. Homeowners face higher deductibles, more exclusions, and reduced policy availability – especially in states like Florida and California. These shifts are also affecting home values and mortgage approvals. Even those outside high-risk zones may see rising costs due to industry-wide loss sharing.
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