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Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.What is coveredCoronavirus coverage falls into several categories:Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.Trip delay: Your trip is delayed due to changing COVID-related guidelines.Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.Of providers that are offering COVID policies, most are covering these expenses.What is not coveredCountries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the countrydoes not have a Level 4 advisory.Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade, which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you’re interested in this add-on.COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.Finding travel insurers covering COVID-19Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, travelers’ ages and other various details. Travel insurance comparison site Squaremouth is one of the very few comparison sites that allow you to filter by policies that offer coronavirus coverage.To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”In our example, we will input the following details: A ,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.When incorporating the “Coronavirus Pandemic” filter, the results reveal that 40 out of 84 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is ,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.1% to 5.4% of the total trip cost. This range represents very typical travel insurance costs.The bottom lineOnce you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered. If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.More From NerdWalletWhy You Shouldn’t Book Airfare in Advance Right NowShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite AirlinesElina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. Twitter: @elina_geller. 4952

Three different storm systems are threatening different parts of the United States and the Caribbean this weekend.Hanna becomes hurricane as it bears down on TexasHurricane Hanna made landfall on Texas’ Padre Island Saturday afternoon. The National Hurricane Center says the storm made landfall about 15 miles north of Port Mansfield with maximum winds of 90 mph.Hurricane #Hanna made landfall on Padre Island, Texas at 5 PM CDT with maximum sustained winds of 90 mph. Visit https://t.co/tW4KeFW0gB for details. pic.twitter.com/yIT12pXwjp— National Hurricane Center (@NHC_Atlantic) July 25, 2020 Hanna was upgraded to a hurricane Saturday morning as it moved toward the Texas coast, becoming the first hurricane of the Atlantic's 2020 season.Meteorologists say the biggest concern from Hanna is expected to be flash flooding. Up to a foot of rain and storm surge up to 5 feet is forecast for some areas.Local officials on Saturday asked residents to stay home and ride out the storm, but to also be mindful of the coronavirus pandemic.Officials said Friday that they were confident they'd be able to cope with the one-two punch of the storm and the state's surge in COVID-19 cases.Hurricane Douglas bears down on HawaiiHurricane Douglas in the Pacific Ocean is presenting new challenges to officials in Hawaii who are long accustomed to tropical storms.Meteorologists say Douglas should weaken by the time it hits Hawaii with strong winds, heavy rainfall and dangerous surf beginning Saturday night.Honolulu authorities are preparing extra shelter space so people can maintain physical distance from others during the COVID-19 pandemic.Evacuees at Honolulu shelters will have their temperatures taken. Those with high temperatures or with a travel or exposure history will either be isolated at that shelter or taken to a different site. Officials are also reminding residents to make sure they have masks and hand sanitizers in their emergency supply kits.President Donald Trump issued an emergency declaration for Hawaii on Saturday because of Douglas, directing federal assistance to supplement state and local response efforts.The National Weather Service on Saturday issued a hurricane warning for the island of Oahu, where the state’s largest city, Honolulu, is located.Hurricane #Douglas Advisory 22: Hurricane Douglas Continues to Move West-Northwest Toward Hawaii. Hurricane Warning Issued For Oahu. https://t.co/mbw53QNBXE— NHC Eastern Pacific (@NHC_Pacific) July 25, 2020 Maximum sustained winds decreased to about 90 mph by midday Saturday, making Douglas a Category 1 hurricane. The storm is expected to be near the main Hawaiian islands late Saturday and move over the state Sunday and Monday.Tropical Storm Gonzalo to move through CaribbeanTropical Storm Gonzalo is still on track to move across the southern Windward Islands later Saturday.Tropical Storm #Gonzalo Advisory 15A: Heavy Rain From Gonzalo Nearing Trinidad and Tobago. https://t.co/VqHn0u1vgc— National Hurricane Center (@NHC_Atlantic) July 25, 2020 Gonzalo is forecast to bring 1 to 3 inches of rain, with isolated totals of 5 inches.A tropical storm warning was in effect for Tobago and Grenada and its dependencies.The storm was expected to dissipate by Sunday night or Monday, forecasters said. 3284

Things at Hawaii's erupting Kilauea volcano are kicking up.The volcano has already been oozing lava, which has gobbled up roads and homes and emitted dangerous gases.Now scientists are warning of a whole bunch of other possible hazards: acid rain, a bunch of falling ash, and eruptions that could propel huge boulders into the sky. Hazardous fumes continue to be released. 390

There is no price on peace of mind when it comes to protecting your home.But there are a few things you can do to make your property safer for less than .One of the best ways is to put a deadbolt on a side door. Locksmith Jim Lang says that's one fo the first parts of a home burglars try to break into."They don't want to go through the front door and have everyone in the neighborhood see them," he said. Lang said thieves can use a credit card to pry open a door with a basic lock, but a deadbolt costs . He also spends an extra for three-inch nails to make the door stronger, so burglars can't kick it down. Lang also suggested pins to lock sliding glass doors, and a window lock to keep burglars from opening vented windows.La Mesa Police Sgt. Katy Lynch said it's also important to keep the area your front door visible. A peep-hole to see out the door should cost about . The La Mesa police has a free crime prevention program, in which officers will walkthrough homes?giving advice on how to better protect them.  Chula Vista PD does not, but a spokesman says officers attend neighborhood watch and community meetings. 10News has reached out to San Diego Police and the Sheriffs' Department. We will update this story when we hear back.  1310

This weekend, most Americans will set their clocks back one hour Saturday night as everyone reverts back to standard time.Every state except Hawaii and Arizona observe Daylight Saving Time in the summer months.The idea of Daylight Saving Time has been around for more than a century for a variety of reasons, including more evening daylight and saving energy.Germany was the first country to experiment with it, and it wasn't fully adopted in the United States until 1918 when "An Act to save daylight and to provide standard time, for the United States" was passed.Once this law was passed, it established the time zones we use today — Eastern, Central, Mountain and Pacific — and specified when Daylight Saving Time would begin and end.Two years later, however, the Daylight Saving Time option was repealed and left up to localities to decide whether or not they'd change their clocks.Nationwide Daylight Saving Time returned for almost three years during World War II when President Franklin Roosevelt instituted "War Time," or year-round Daylight Saving Time.It wasn't until 1966 when President Lyndon Johnson signed the Uniform Time Act, which ended a lot of confusion by setting standards for when Daylight Saving Time would begin and end. It also required every state to participate unless a state voted to keep the entire state on standard time.Daylight Saving Time was extended with the Energy Policy Act of 2005, so now most of the United States change clocks on the second Sunday in March and again on the first Sunday in November.Follow Storm Shield Meteorologist Jason Meyers via the Storm Shield app on Twitter, Facebook, and YouTube. Download the Storm Shield Weather Radio App for your iPhone or Android device and get severe weather alerts wherever you are. Named by Time.com one of the best weather apps for your iPhone. 1846