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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

Animals have been used as therapy for years, because research has linked them to a decrease in anxiety and depression in pet parents.It is sometimes referred to as the "Pet Effect" by experts and described this way by Mental Health America:"The Pet Effect, also known as the human-animal bond, is the mutually beneficial relationship between people and animals that positively impacts the health and well-being of both. Any pet owner will tell you that living with a pet comes with benefits, including constant companionship, love and affection."A 2016 survey by the Human Animal Bond Research Institute found that nearly 75% of the animal owners they talked with reported mental health improvements from their furry family member.With a global pandemic keeping many of us isolated, is now the time to adopt a pet?"I adopted Sake from the Arizona Humane Society on July 1," said Scottsdale dog owner Randi Chan.Chan said she immediately brought a dog trainer into the mix and created a structured routine, something she did not have just a few months ago."Before I had her, I was probably working like 12 hours every day," Chan said. "Because... I'll take a break for dinner and then I'll be like, 'Well I have nothing better to do. I've already watched everything on Netflix, so I'll guess I'll start working again.'"She knew that likely was not very positive for her mental health.Now, Chan gets fluffy hugs and a reason to get outside safely for their walks."If anything, the pandemic has just raised awareness to the importance of both adoption and fostering," said Arizona Humane Society's Bretta Nelson.They have moved to appointment-only for their adoptions. Once a prospective pet parent sets up their time slot, a representative from the shelter will call them ahead of time to go over what animals they may be interested in."We think with this one-on-one match-making process, you can talk to people about a pet's medical or their behavioral, and they weren't already attached before learning that information," Nelson explained. "So, they were able to make a logical decision."That has helped their return rate for pets drastically decrease, while the number of families fostering has sky-rocketed.However, most people will have to return to work at some point and the pets will have to be left behind.Nelson said that a structured routine that is created the first time they come home will make that transition easier."Set a routine that's going to work, even when you're back at work," Nelson said. "Don't start taking them for walks at 11 a.m. every day if that's not something you can uphold because they're not going to be too happy about that."Chan said she has been practicing putting Sake in her crate a little bit at a time, so she is comfortable and those trips to the park they both love will still be a part of their day-to-day routine."She really definitely brings a smile to my face because she is a very loving dog," Chan said.To learn more about the pets up for adoption at the Arizona shelter, click here. To request an appointment, click here.During these difficult times, a pet parent may also be struggling to provide for their beloved animal. The Arizona Humane Society offers a program called Bridge the Gap to provide resources to attempt to keep families together. Click here to learn how they can offer support.This story was originally published by Megan Thompson at KNXV. 3417

An online service that allows people to track criminal activity in their neighborhoods is now available throughout the San Diego area, officials announced Thursday.VIEW CRIME TRACKER MAPThe CrimeMapping.com website initially only covered communities under the jurisdiction of the sheriff's department, but it has been expanded to serve the entire county, according to sheriff's spokeswoman Melissa Aquino."CrimeMapping.com analyzes and maps crime data from arson to assault, burglary, drugs (and) alcohol violations, DUI, fraud, homicide, car theft, robbery, sex crimes, vandalism, car break-ins, weapons violations and even multiple crimes at a single location," Aquino said.Data resource users can view maps in either a satellite-photo view or on a road map, find crime listings compiled in a report format or shown as a graph to identify patterns or trends and get crime prevention tips."There is also an option to sign up for email alerts and to email a link to others, which would be useful for neighborhood-watch groups," Aquino said.The service is a joint program of the sheriff's department, the Automated Regional Justice Information System, the San Diego Association of Governments and law enforcement agencies across the county.The sheriff's department provides law enforcement for unincorporated communities and several area cities that contract with it in lieu of forming their own police departments. 1422

Ananya Vinay, the 2017 Scripps National Spelling Bee champion, has had quite a year.It started with confetti cannons on stage after she spelled "marocain" correctly. Then she made the rounds: talk shows like Jimmy Kimmel Live and other media appearances.She rode in a limo to the Golden State Warriors' final basketball game of last season, and got to see the trophy presentation when her team won the championship."It was really exciting," she said.She also toured the Google campus, got a rally at her school and had a day named in her honor by the governor of California. It was all a big surprise, she said.And she's picked up other hobbies, too: she made it to the National Science Bowl, the state science fair and competed in Mathcounts.She also wants to write more and join the forensics team. And she's started a website and tutors some spellers.A lot of it comes from her Bee experience."It really gives you a lot of confidence," Ananya said. "It gives you a lot of knowledge about the world."Ananya carried the trophy in to the opening ceremony Monday night and kicked off the Bee."I'm really glad to be back; I have a lot of friends here," she said. "I'm hoping for the best for every competitor." 1216

Andrew Giuliani, the son of President Donald Trump’s personal attorney Rudy Giuliani, and a White House official himself, has tested positive for COVID-19, he tweeted Friday.“This morning, I tested positive for COVID-19. I am experiencing mild symptoms, and am following all appropriate protocols, including being in quarantine and conducting contact tracing,” the tweet from the younger Giuliani’s official account reads. 430

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