邯郸白带常规化验多少钱(邯郸月经有时不来怎么回事) (今日更新中)

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

An armed robber at a south side Chicago hot dog stand accidentally shot himself in the genitals during his escape, according to the Chicago Tribune.According to the Tribune, 19-year-old Terrion Pouncy robbed the Original Maxwell Street Polish around 6 a.m. Tuesday.As he ran away, Pouncy tried to put the gun in his pants. It went off, according to the Tribune, shooting him in the genitals and the thigh. He eventually called 911 to report he had been shot.He was taken to the hospital and charged with two counts of armed robbery with a firearm. 570

An Illinois school resource officer is being praised as a hero for intervening when a former student opened fire Wednesday morning at Dixon High School.US Vice President Mike Pence lauded the "heroic actions" of Dixon Police Officer Mark Dallas, who shot and wounded the gunman."Another example of the brave work performed by law enforcement each and every day. Lives were saved thanks to the heroic actions of school resource officer Mark Dallas," Pence said on Twitter.The 19-year-old former student opened fire near the school gym before the officer confronted him, Dixon Police Chief Steven Howell said in a news conference.The suspect fled the school and Dallas pursued him. The suspect continued to shoot at the officer and the officer returned fire, Howell said. The suspect sustained non-life threatening injuries and was taken to a hospital.The officer is on paid administrate leave. No one else was injured."With shots ringing out in the hallways of the school, he charged towards the suspect and confronted him, head-on. Because of his heroic actions, countless lives were saved," Howell said.Dixon High School and all Dixon public schools went into lockdown during the incident."A tragedy was averted today in Dixon because a police officer put his life on the line to protect his fellow citizens," said Shawn Roselieb, executive director of the Illinois Fraternal Order of Police Labor Council."The officer's actions at the high school will be closely scrutinized, but the simple fact is, nobody but the gunman was hurt today, and keeping students and teachers safe is the primary job for school resource officers." 1636

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

Anyone could have predicted that Stephen Colbert's opening Emmy monologue would include talk of politics and mentions of President Donald Trump, but no would could have predicted a surprise cameo from White House alum Sean Spicer.The former White House press secretary made a brief appearance at the end of Colbert's opening monologue for a bit that appeared to mock Spicer's defense of Trump's inauguration attendance.PHOTOS: Celebs at the 2017 EmmysOn stage, Colbert asked if someone could predict how large this year's Emmy audience would be -- Spicer's cue to emerge from backstage."This will be the largest audience to witness the Emmys, period -- both in person and around the world," Spicer said from a podium.Spicer battled with reporters back in January as he defended the size of the crowd that showed up to watch Trump's inauguration. At the time, he said, "This was the largest audience to ever witness an inauguration, period," despite photographic evidence to the contrary.Colbert also joked that HBO's Emmy-nominated Bernie Madoff TV movie "Wizard of Lies" was "the Sean Spicer story." Spicer's appearance drew reactions of shock from the celebrity audience."Melissa McCarthy everybody. Give it up," Colbert said, joking, as the camera panned to McCarthy, who famously impersonated Spicer on last season's "Saturday Night Live."The-CNN-Wire 1363

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