喀什如何测是否怀孕(喀什哪儿个的男科好) (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 87-year-old grandmother using a knife to cut dandelions in the woods near her rural Georgia home last week was taken down by a police Taser and arrested, according to a police report.Martha Al-Bishara was arrested for criminal trespass and obstruction of a police officer, according to the report. Chatsworth Police said Al-Bishara did not drop a steak knife despite several commands and a demonstration by officers. At one point, she walked toward officers with the knife, police said.Police had gone to a wooded area near a Boys and Girls Club last Friday after an employee called 911 to report that an elderly woman was walking around with a knife in the community, around 80 miles north of Atlanta."There's a lady walking on the bike trails, she has a knife and she won't leave," the caller told a dispatcher. "She told me she doesn't speak English, and she's walking up the trail with a knife towards me.""It looks like she's walking around looking for something, vegetation to cut down or something. She has a bag too," the caller said.The Boys and Girls Club employee told the dispatcher that the woman did not seem to be a threat. "But she came at you with a knife, though, right?" the dispatcher asked. "No, she just brought the knife onto the property in her hand, she didn't try and attack anybody or anything," the caller said. 1350

ANZA, Calif. (KGTV) - Did you feel it? A 3.8 earthquake shook Southern California Monday morning.The quake happened about 10:44 a.m., 18 kilometers east-southeast of Anza, in Riverside County.10News received reports of shaking in Escondido, Spring Valley, and San Marcos.There are no reports of damage or injuries, according to Riverside County Sheriff's Deputy Armando Mu?oz.10News is monitoring breaking developments. 432

An invasive bug called the lanternbug is causing several counties in New Jersey to go under quarantine.Officials with the New Jersey Department of Agriculture said the bug is not harmful to animals or humans, but it is potentially harmful to more than 70 plant species, including fruit trees, vegetables, and vines.“We have been working diligently to slow the advance of this bug,” Secretary Douglas Fisher said in a press release. “We are targeting areas where severe infestations have been confirmed, and we also encourage residents to destroy the Spotted Lanternfly if possible when they see it. It will take a combined effort to help keep this pest from spreading.” 678

Another #JamWithJeff . Hers the thing- #JeffGoldblum flatly refuses to rehearse. So every time is the first time. pic.twitter.com/I0iFmHCpUo— Sam Neill (@TwoPaddocks) September 7, 2020 192

来源：资阳报