look at the rental contract or lease papers. the utility responsibilities should be listed there. many times garbage, water and sewer are included in rent. typically utilities such as electricity, cable, gas and phone are not included in the rent.
Apartment dwellers typically do not have to pay for property taxes, as these are the responsibility of the property owner or landlord. Additionally, major repairs and maintenance costs, such as roof replacements or structural repairs, are generally covered by the landlord. Utilities like water, gas, or electricity may be included in rent or handled separately, but any optional services like cable or internet are not mandatory expenses.
The utilities that a landlord typically pays for can vary depending on the lease agreement and local practices. Commonly covered utilities may include water, sewer, trash collection, and sometimes heating or gas. In some cases, landlords may also include electricity or internet in the rent. It's crucial for tenants to review their lease to understand which utilities are included and which they are responsible for.
"Heat included" in rental properties means that the cost of heating the unit is covered by the landlord and included in the rent. This means tenants do not have to pay separately for heating expenses.
"Heat and hot water included" in a rental agreement means that the cost of heating the apartment and providing hot water is covered by the landlord and included in the rent. Tenants do not have to pay separately for these utilities.
The assumption is that all expenses during your stay will be covered.
Damage to anything covered by the landlord's insurance, because the landlord owns the property not the renter. Such damage would be covered under homeowner's insurance, because the homeowner owns the property.
Landlord insurance can be very cheap depending on the amount of property and specifics covered. There are websites that can provide more than one quote for landlord insurance.
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Landlord insurance should cover the building structure, liability protection, loss of rental income, and personal property provided by the landlord in a rental property.
A covered expense is an expense paid for usually by a company for their customers or a business for their employee. Covered expenses are a benefit defined by the company.
Unreimbursed medical expenses are those that your insurance company, or HSA will not reimburse you for. These costs are not covered on your plan.
This does mean expenses are not covered by insurance. If this is what the divorce decree says, then you are responsible for these bills.