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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

As a variant strain of the coronavirus spreads through the United Kingdom, Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Disease, said in an interview on ABC News on Tuesday that it’s possible the variant is in the US."That's certainly possible I mean, when you have this amount of spread within a place like the UK, that you really need to assume that it's here already, and certainly is not the dominant strain, but I would not be surprised at all if it is already here," said Fauci on ABC News.The variant strain has fueled lockdowns and fears in the UK. It also has prompted much of the world to cut off travel to the UK. Health officials fear that the variant strain spreads more easily.The United States has not cut travel between the two countries. Fauci does not expect that to be necessary.“That's not that's not really in the cards right now, but I wouldn’t be surprised if the requirement of testing is something that is being actively considered right now," Fauci said.The CDC reminded the public that viruses often mutate. The CDC added that it’s investigating why this version differs from the disease caused by other versions that are currently circulating.As travel remains permitted between the two nations, New York Gov. Andrew Cuomo criticized officials for not cutting off travel. Cuomo did note that several airlines began testing passengers arriving in New York from the UK for the virus."Right now, this variant in the U.K. is getting on a plane and flying to JFK. Right now today,” Cuomo said. “One-hundred twenty countries require a test. We don't. Other European countries have done a ban. We haven't. And today that variant is getting on a plane and landing at JFK. How many times in life do you have to make the same mistake before you learn. Be one of the 120 countries that requires a test before you get on a plane to come to the U.S. This is the mistake we made."The United Kingdom has implemented some of its strongest lockdowns since the onset of the pandemic in recent days. While not much is known about the mutated strain of the virus, it is believed to spread more easily."To our international friends and partners, I want to say very frankly that we understand your concerns and I hope everybody can see that as soon as we were briefed in UK government on the the fast transmissibility of this new strain, that I think 3:15 on Friday afternoon, we lodged all the necessary information with the World Health Organization and we took prompt and decisive action the very next day to curb the spread of the new variant," UK Prime Minister Boris Johnson said. 2635

An alleged sex-trafficking victim was able to escape her captors by jumping out of an 18-wheeler Wednesday night.The Cisco Police Department says around 9 p.m., officers responded to a call of a female who had been seriously injured near the Flying J/Denny's on IH-20.Police say the female injured herself after jumping from an 18-wheeler. She told officers she had been kidnapped in El Paso.It is believed that the perpetrators were going to use the female in sex trafficking operations.The Cisco Fire Department, Cisco EMS and DPS Troopers were also on-scene. The female was transported to a medical facility for treatment of her injuries.The 18-wheeler is described as a green truck tractor with a white stripe and pulling a white box-type trailer. It is occupied by three men.Another female is reportedly still in the truck and maybe in grave danger.A statewide broadcast was issued last night by Cisco PD in an attempt to locate the truck. As of publication, there has been no contact with the truck.Anyone with information is asked to contact local law enforcement at 254-629-1728. This story was first reported by Sydney Isenberg at KXXV in Waco, Texas. 1171

America's lottery fever is far from over. The Powerball jackpot is almost irresistible.Saturday's Powerball drawing would pay an estimated 0 million if a winner matches all six numbers.The winner or winners would also have a one-time cash option of 8.6 million -- a prize that's still more than alright.If there's a winner, it would be one of largest jackpots in the nation's history.It could be the fourth largest in US lottery history and the game's third largest jackpot.The largest Powerball jackpot was .586 billion and it was split three ways in January 2016. 581

An incident that began as an argument over masks led to an officer-involved shooting near Lansing, Michigan on Tuesday.A 43-year-old man from Grand Ledge was shot and killed by a police officer after a fight at a Quality Dairy store in Dimondale.Authorities say a 77-year-old man from Lansing who was wearing a mask and the 43-year-old man who wasn't wearing a mask got into an altercation.The unmasked man reportedly stabbed the masked man and fled the area. A deputy later spotted the vehicle and pulled him over.Once the man pulled over his car, police say he approached the deputy with two knives and a screwdriver.Authorities say the assailant continued to approach the deputy as she backed up, and she fired her weapon, fatally shooting the assailant.The deputy was not physically harmed and is on administrative leave.The case has been turned over to Michigan State Police.The 77-year-old man who was stabbed is reportedly stable.This story was originally published by WXYZ in Detroit. 1000