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ANZA, Calif. (KGTV) - Did you feel it? A 3.8 earthquake shook Southern California Monday morning.The quake happened about 10:44 a.m., 18 kilometers east-southeast of Anza, in Riverside County.10News received reports of shaking in Escondido, Spring Valley, and San Marcos.There are no reports of damage or injuries, according to Riverside County Sheriff's Deputy Armando Mu?oz.10News is monitoring breaking developments. 432

As has been routine for months, Vice President Pence is tested for COVID-19 every day. This morning, Vice President Pence and the Second Lady tested negative for COVID-19. Vice President Pence remains in good health and wishes the Trumps well in their recovery.— Devin O’Malley (@VPPressSec) October 2, 2020 315

ANDERSON, Ind. -- A mother and stepfather in Indiana are accused of locking their children in a basement without food, water or a place to go to the bathroom.Connie and her husband Javier Campos were arrested over the weekend and charged with four counts of neglect of a dependent. The investigation began back in November 2017 when a 13-year-old boy ran away from home and was found at a local hotel. At the time, the investigator contacted the Department of Child Services because he believed the children may be in need of services. According to court documents, the couple had four children living in their home ages 13, 11, 10 and 8.The children told investigators that their mother and step-father would lock three of them in the basement of their home any time the adults would leave the house or go to bed.The children described using a bucket and bottle if they needed to go to the bathroom or holding it until morning.  “You go before, hold it or it sucks to be you,” the 13-year-old child told investigators.Each of the children had a bed in their upstairs bedrooms, according to court documents, but they were only there “in case CPS came then they would think we sleep there.” 1217

As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

An Arizona Coyotes hockey player was arrested in Scottsdale. Scottsdale police said 27-year-old Richard Panik was arrested for trespassing. The hockey player reportedly refused to leave the entrance of a local restaurant on April 8 at 8:50 p.m. According to police, Panik appeared to be intoxicated during his contact with officers. Panik was booked into Scottsdale City Jail for criminal trespass and later released with a criminal citation. The 27-year-old played 37 games during the 2017-2018 season with the Chicago Blackhawks before being traded to the Arizona Coyotes. He played 35 games with Arizona. The Arizona Coyotes released the following statement to Scripps station KNXV in Phoenix:“We are aware of the incident and are still gathering information as it pertains to the situation.  We will have no further comment at the present time.”   914