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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

Amid all of the retail chaos and change of 2020, at least one thing remains the same: the biggest sale day of the year.Black Friday — the day after Thanksgiving — has a reputation as the best time of the year to buy just about anything.But even though Black Friday still exists in 2020, it won’t be the same experience as before. Our guide can help you get the best bargains this Nov. 27.Buy: TelevisionsLow-priced electronics deals are a given on Black Friday. That won’t change this year.Last year, Target sold a 65-inch TV in stores for only 9.99. Walmart, too, had a 65-inch TV for just 8. This Black Friday, you’re guaranteed to find discounts on TVs, as well as tablets and laptops.As for some stocking stuffers to go along with your new TV, you’ll find video games, CDs, DVDs and Blu-rays deeply discounted from their original prices. In 2019, Walmart had over 50 movie titles for .96 apiece.Skip: ToysHistorically, it’s best to wait until closer to Christmas to purchase dolls, action figures, play sets and other toys. You run the risk that certain items will sell out, but you may also be able to find bigger savings on what’s left.In past years, select toys have been on sale for as much as 50% off in the final days before Christmas.Buy: Apple productsThere’s a specific electronic brand that’s popular on Black Friday: Apple. Major retail stores such as Best Buy, Target and Walmart discount Apple products each year, and previous-generation models usually see dramatic deals. These offers may include price cuts, free gift cards with purchase (up to 0 with a qualifying phone purchase on an installment plan), or a combination of both.Target devoted an entire page of its 2019 Black Friday ad to Apple. The Apple Watch Series 3 (GPS) started at 9.99 (regularly 9.99), and select App Store and iTunes gift cards were buy one, get one 30% off.Apple discounts likely won’t disappear this Black Friday. In fact, Apple items have already been on sale in pre-Black Friday sales. Keep an eye out for deals on MacBooks, iMacs, iPhones, iPads, Apple Watches and Apple TVs.Skip: BeddingYou’ve got the entertainment center covered, but hesitate before stocking up on supplies to refresh the look of your bedroom this Black Friday.Every January, retailers such as Overstock, Pottery Barn and Sears host “white sales.” During these seasonal promotions, discounts on bedding, pillows, towels and linens can hit up to 70%. Expect these to come around after Jan. 1.Buy: Gaming systemsBlack Friday is big for gamers. This year, look for savings on video game systems from retailers such as Best Buy, Walmart and GameStop. Expect deals on products from Xbox, PlayStation and Nintendo.You’ll also find particularly great offers on gaming bundles. These include the game console plus a combination of accessories or games.Skip: Winter clothingWinter clothing generally isn’t the best value on Black Friday. Retailers frequently offer big clearance sales on jackets when winter gives way to spring.But if you need something to keep you warm before then, you’ll be able to find some bargains this Black Friday. Year after year, department stores like to offer doorbuster deals on women’s boots with select pairs for just .99 each.If you miss Black Friday, don’t worry. Department stores and clothing retailers have been rolling out new sales almost daily.Buy: Christmas decorBlowout post-Christmas clearance sales happen every year on Dec. 26 as shoppers make their way to the store to return gifts. Christmas decorations, wrapping paper, tinsel and other seasonal trimmings reach super low prices (for obvious reasons). Prices also drop in the final weeks before Christmas.For those reasons, Christmas decorations used to be on our list of items to skip on Black Friday. But this year, it’s less likely you’ll be at the mall shortly before Christmas. And waiting to order online could spell shipping delays.So if you need decorations, consider scooping up deals on artificial trees and rolls of wrapping paper from home and craft stores on Black Friday. That way you’ll have your essentials in time for Christmas.Skip: Outdoor itemsOutdoor products, grills and patio furniture were already deeply discounted immediately after summer ended.If you didn’t pick up these products at the close of this summer, wait until Memorial Day and Labor Day sales roll around next year. Another viable option is the Spring Black Friday Sale that home improvement store Lowe’s usually holds each year.Buy: AppliancesBlack Friday brings big savings on washers, dryers, refrigerators and other kitchen appliances. Retailers typically mark down home appliances by 40%. Look for similar deep discounts again this year.You’ll find smaller appliances such as coffee makers, mixers, blenders or vacuum cleaners on sale, too. Expect deals from department stores such as Kohl’s, Macy’s and JCPenney.Shop: OnlineFor the ultimate combination of convenience, safety and savings, spring for online shopping. With so many stores closed on Thanksgiving, big-box retailers are bringing their doorbusters online this Thanksgiving and Black Friday.Online shoppers will usually enjoy free shipping. Or, you can choose to make your purchases online and pick them up at the store.More From NerdWalletHow to Get the Best Lowe’s Black Friday 2020 Deals13 Ways to Leave Scammers Empty-Handed This Holiday SeasonHow to Shop Black Friday Deals OnlineCourtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. 5530

Another #JamWithJeff . Hers the thing- #JeffGoldblum flatly refuses to rehearse. So every time is the first time. pic.twitter.com/I0iFmHCpUo— Sam Neill (@TwoPaddocks) September 7, 2020 192

As coronavirus cases begin to jump again in the United Kingdom, Prime Minster Boris Johnson announced Wednesday a nationwide ban on gatherings of more than six people. The ban goes into effect on Monday.While coronavirus cases in the UK currently pale in comparison to the spread of the virus in the US, the UK has seen a marked jump in infections. According to New York Times data, the rate of new cases has doubled from three weeks ago. Johnson’s announcement comes as the UK reported 32 coronavirus-related deaths on Tuesday, the most in a single day since July 29.The UK has a population of 66 million, which is nearly one-fifth the population of the United States, which reported 462 coronavirus-related deaths on Tuesday.Previously, the UK had a ban on all gatherings of more than 30 people.“It will be enforced by the police. And anyone breaking the rules risks being dispersed, fined and possibly arrested,” Johnson said.Johnson told reporters on Wednesday that limiting gatherings is an important step in stopping the spread of the virus.“I should stress that if we are to beat the virus, then everyone at all times should limit social contact as much as possible and minimize interactions with other households,” Johnson said. “It's safer to meet outdoors, and you should keep your distance from anyone you don't live with, even if they're close friends or family.”Since the start of the pandemic, the UK has reported more than 41,000 coronavirus-related deaths. In April, the UK was among the hardest hit nations in the world, with its per capita death rate worse than the United States. But the number of coronavirus-related deaths, which peaked at nearly 1,000 per day, quickly dropped in May. As of last week, the UK was averaging fewer than 10 coronavirus-related deaths per day.But the spike in cases has prompted Johnson to impose a stricter mandate on social gatherings.The ban allow some exceptions for workplaces, schools, funerals and weddings.A number of other nations have implemented similar, but less stringent bans on gatherings. Australia allows gatherings of up to 50 people in private residences, and 100 people in non-residences. Justin Boggs is a writer for the E.W. Scripps National Desk. Follow him on Twitter @jjboggs or on Facebook. 2275

Among many documents on display at the Hinsdale County Courthouse is the invitation sent out to attend the execution of Alferd Packer. 144

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