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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

Ann and I extend our congratulations to President-elect Joe Biden and Vice President-elect Kamala Harris. We know both of them as people of good will and admirable character. We pray that God may bless them in the days and years ahead.— Mitt Romney (@MittRomney) November 7, 2020 287

As businesses across the country deal with the economic impact of the COVID-19 pandemic, Country Time Lemonade is making sure the country's "littlest entrepreneurs" get the same help.The Littlest Bailout is an economic relief program aimed at helping kids start lemonade stands. Kids who are 14 and younger can get a 0 "stimulus check," which comes in the form of a prepaid card.Country Time says the money is to help kids "preserve the values of lemonade stands, honest work, and entrepreneurship."To apply, parents must upload an essay, 250 words or less, that answers the question, "How would your child use their stimulus check to juice the economy?"Parents must also upload a picture of the lemonade stand sign their child/children were going to use. The limit is one entry per household.According to the official rules, the company plans to give out 1,000 of the prepaid cards.There is no purchase necessary and the program ends on Aug. 12. Parents can click here to apply.This story was originally published by Emily McCain on WFTS in Tampa, Florida. 1068

An Alabama family is mourning a man killed by police Thanksgiving night after being mistaken for the shooter who injured two people at a mall.An officer fatally shot Emantic Fitzgerald Bradford Jr. about 10 p.m. CT Thursday at the Riverchase Galleria in Hoover, a Birmingham suburb. At the time, authorities said he got into an altercation at the mall and opened fire, injuring two people ages 18 and 12.An officer encountered an armed Bradford fleeing the scene and fatally shot him, police said.But after conducting forensic tests and talking to witnesses, investigators said Bradford might have been involved in the altercation but likely did not fire the rounds that injured the two youths.The gunman is still at large and police have not provided a name or description.Relatives are demanding answers as they mourn a man they call EJ."EJ was a devoted son and brother, who dedicated his life to serving his country and always doing the right thing," his family said in a statement."As we continue to grieve, rest assured that we are working diligently with our legal team to determine exactly what happened and why this police officer killed our son. We will never forget EJ, and ask for your continued prayers during this incredibly difficult time.""They killed him for no reason at all. He wasn't the shooter," his aunt, Catherine Jewell, told reporters. "He was a great guy. He was very respectable ... They did him wrong."Bradford's Facebook page says he was a US Army engineer. But he did not complete advanced individual training and did not serve, said Lt. Col. Manny Ortiz, an Army spokesman.The Bradford family has retained civil rights attorney Benjamin L. Crump, according to a statement from the law firm.Crump previously represented the family of Trayvon Martin, a 17-year-old African-American fatally shot in Florida in 2012. 1852

As many parades and gatherings are canceled this Veterans Day, a campaign to honor veterans is taking to social media. Organizers hope it will bring togetherness and attention toward those who have served and sacrificed.“When I returned home from serving on active duty, when I took my uniform off for the last time, I felt like I’d removed my purpose right along there with the uniform,” said Mary Beth Bruggeman, who served eight years in the Marine Corps as a combat engineer.Bruggeman was deployed to Iraq, where she led more than 100 Marines and dozens of vehicles across the border during the Iraq invasion. Yet, when all of that was over, she felt empty."So, for me, finding a way to serve again was the thing I really needed and the other challenges I had that I was facing in my life came after the ability to really find and connect back to that purpose,” Bruggeman said.Bruggeman is the current president of "The Mission Continues.”“It connects veterans with the opportunity to find purpose again through additional skill building and then repurposing those skills in community,” Bruggeman said.While Bruggeman’s organization’s work is always ongoing, t

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