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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

ANAHEIM (KGTV) — A New Zealand teenager ill with measles visited multiple Southern California theme parks and attractions this month and may have exposed others to the illness, according to health officials.Orange County Health Care Agency (OCHCA) and Los Angeles Department of Public Health (LADPH) said Friday the female teen visited several regional attractions during her vacation from Aug. 11-15.Aug. 11: Los Angeles International Airport (LAX), Terminal 8, between 9 p.m. – 11:30 p.m.Aug. 12: Disneyland and California Adventure theme parksAug. 14: Universal Studios at 100 Universal City Plaza, Universal City, Calif.Aug. 15: TCL Chinese Theatres at 6925 Hollywood Blvd., Hollywood, Calif.Aug. 15: Madame Tussauds at 6933 Hollywood Blvd., Hollywood, Calif.Aug. 15: The Original Farmers Market at 6333 W 3rd St., Los Angeles, Calif.Aug. 15: Santa Monica Pier and Beach at 200 Santa Monica Pier, Santa Monica, Calif.Aug. 15: Los Angeles International Airport (LAX), Tom Bradley International Terminal, between 6 p.m. – 11:59 p.m.Aug. 11-15: Desert Palms Hotel at 631 W. Katella Ave., Anaheim, Calif.(Times listed are still under investigation.)OCHCA officials are working with the locations to identify others who may have had close contact with the teenager.In a statement to 10News, Disneyland said that they are working closely with OCHCA and have seen no confirmed cases with park cast members.“We were notified that the tourist visited multiple Southern California locations and have been advised by OC Health Care Agency that the risk to cast and guests is likely low. We maintain rigorous sanitation standards to protect guests and cast, and earlier this year we strengthened our immunization program and educational resources for cast members, in addition to our ongoing efforts," a statement from Pam Hymel, Disney Parks chief medical officer, read. RELATED: Do you need the measles vaccine?The park adds that the teen did not stay at any of the park's resort hotels or visit Downtown Disney.Universal Studios Hollywood spokesperson also provided a statement to 10News, also saying there's "minimal risk" at their theme park."It has come to our attention that the guest visited a number of Southern California locations and have been advised by the Dept. of Public Heath that there is minimal risk to any exposure at our destination. We adhere to meticulous sanitation standards to ensure a safe environment for everyone as the safety and security of our guests and employees is of utmost importance," a park statement read.Anyone who believes they may have contracted the disease should contact their doctor's office before visiting directly. RELATED: San Diego hospitals prepare for possible measles outbreak"Measles is a highly contagious and potentially severe disease that causes fever, rash, cough, and red, watery eyes," said Nichole Quick, County Health Officer, said. "It spreads very easily by air and by direct contact with an infected person, and is contagious from approximately four days before the rash appears through four days after the rash appears. We encourage community members to protect themselves and their families by getting vaccinated."Measles can develop about seven to 21 days after exposure to the disease. Early symptoms include fever, cough, runny nose, and red eyes.A distinctive red rash also appears one to four days after symptoms appear, starting on the face and head then spreads downward and outward. A person is considered contagious four days before the rash appears.RELATED: US measles cases reach highest number in nearly three decades, CDC saysComplications from measles are more common in children younger than 5 and adults 20 years and older, though the risk is higher with children. Complications include diarrhea, ear infections, and pneumonia. In severe instances, death can occur.San Diego recently reported its first two cases of measles of the year in an infant that recently visited the Philippines and an individual who came into contact with the infant.In Los Angeles, there have been 16 measles cases among Los Angeles County residents in 2019 and 11 non-resident measles cases in people who have traveled through the county, LADPH says. 4215

AMES, N.Y. -- In the tiny village of Ames, New York, new homeowners unearthed a secret history that sounds too far-fetched for reality.Nick Drummond and Patrick Bakker are the owners of the Bootlegger Bungalow. They have been living in the rural home for about a year. They were told it was built by a bootlegger, but they didn’t believe it until their recent renovation brought out the truth.“I was in the process of removing this rotted wood skirting that went around the mudroom sort of where the foundation would be if it was a truly finished structure, and as I’m peeling back the boards on one of the sides, all of the sudden all this hay falls out and I was very confused," Drummond said. "And at first I was like ‘oh this must be insulation’ – of course all this is taking place within a few seconds in my head – and then I look and I’m like ‘well wait a second, what’s that glass thing?'""And then I pull it up and I’m looking at this old liquor bottle, and then I’m looking at the other package and there’s these other little tops poking out of the hay, and then I look back at the wall and there’s like the edge of this other package tied up with string and I’m like ‘holy crap, this is like a stash of booze,’” Drummond said.Sixty-six bottles of Gaelic whisky from the prohibition era were hidden for nearly a century within the walls and floorboards of a little shack tacked onto the side of the house, originally used as a mudroom to store coats and shoes.“It was like you found the jackpot," Bakker said. "Like this is what you always want to find in a house.”The bootlegger who lived there was Count Adolf Humpfner. According to newspapers of the time, he was the talk of the town and involved in a lot of scandal. Drummond says he died a sudden mysterious death, leaving all the bootlegger alcohol behind.“I mean, the guy had a buffalo robe," Drummond said. "I don’t even know what that was. But I’m just imagining this tall, heavy set German guy walking around in a buffalo robe surrounded by dozens of cash registers. Ya know it’s fantastic, I love it, I love thinking about that.”As they continue renovating the house, Drummond and Bakker say they want to preserve its incredible history.“Every building has a story to tell," Drummond said. "And it’s really a matter of peeling back all the different parts and pieces and sort of analyzing them. And you’d be surprised by what you can find.”Keeping only a couple damaged bottles, they say they plan to sell the rest to collectors, each one worth something between and ,200.“At the end of the day, we’re just sitting and we’re like ‘we really like the house so much more now,'” Bakker said. 2672

Amid the pandemic, food banks are on average serving 60% more families than a year ago, according to a recent analysis by Feeding America. The analysis found that 80% of food banks in the Feeding America network have seen an increase in demand amid the pandemic.Despite this jump in demand, the organization says that food banks have “become accustomed” to increased demand for services. Feeding America’s analysis says that 40% of those going to food banks this year are doing so for the first time.Compounding issues for many families, food prices have jumped in the last year, according to USDA analysis. According to the USDA, the average cost of food prepared at home has increased 4% from October 2019 through October 2020. In the last 20 years, the average increase of food prices per year is 2%.The increase in prices has been most pronounced in meat, poultry and dairy. From October 2019 through October 2020, meat prices jumped 6.6%. Previously, meat prices generally increased 3% a year.The issue of increased prices was something that Feeding America leaders addressed last month as lawmakers have failed to come to an agreement on a new stimulus plan.“With food prices increasing at the fastest rate in 50 years and predictions that 1 in 4 children could face hunger this year, a 15 percent increase to the maximum SNAP benefit is the most effective way to meet the moment,” Kate Leone, Chief government relations officer at Feeding America, wrote. “Boosting SNAP benefits will provide families more resources to purchase the food they need through purchases at local grocers and businesses, which will stimulate economies across the country.“With the nation’s public health and economic crises continuing without an end in sight, our economy and families are being pushed to the very brink. We need our government to invest in the hunger-relief measures today because families struggling with hunger need it now.”Feeding America said that Americans can help by volunteering at their local food bank or donating to their local food bank or Feeding America’s COVID-19 Response Fund. Feeding America said that 60% of food banks in its network are in need of volunteers. 2188

Arizona officials have certified Joe Biden’s narrow victory over President Donald Trump in the state.Democratic Secretary of State Katie Hobbs and Republican Gov. Doug Ducey defended the integrity of the election even as lawyers for Trump were across town Monday arguing, without evidence, to nine Republican lawmakers that the election was marred by fraud.Lawsuits and legal action taken by the Trump campaign did not go far in Arizona, in at least one instance, the lawyers dropped a case seeking a recount of Election Day ballots. At Monday's certification event, Ducey said, “We do elections well here in Arizona. The system is strong.”Biden won Arizona by 0.3% of the nearly 3.4 million ballots cast, a margin of just under 10,500 votes. He’s the second Democrat in 70 years to win the state. Arizona's 11 electoral college votes will go to Biden.The certification also paves the way for Democrat Mark Kelly to take his seat in the U.S. Senate, formalizing his victory in a special election to replace the late John McCain.Kelly is scheduled to be sworn in on Wednesday in Washington. 1097

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