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Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.What is coveredCoronavirus coverage falls into several categories:Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.Trip delay: Your trip is delayed due to changing COVID-related guidelines.Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.Of providers that are offering COVID policies, most are covering these expenses.What is not coveredCountries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the countrydoes not have a Level 4 advisory.Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade, which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you’re interested in this add-on.COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.Finding travel insurers covering COVID-19Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, travelers’ ages and other various details. Travel insurance comparison site Squaremouth is one of the very few comparison sites that allow you to filter by policies that offer coronavirus coverage.To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”In our example, we will input the following details: A ,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.When incorporating the “Coronavirus Pandemic” filter, the results reveal that 40 out of 84 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is ,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.1% to 5.4% of the total trip cost. This range represents very typical travel insurance costs.The bottom lineOnce you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered. If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.More From NerdWalletWhy You Shouldn’t Book Airfare in Advance Right NowShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite AirlinesElina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. Twitter: @elina_geller. 4952

There's a nor'easter roaring toward the East Coast -- and it's a ferocious mix of howling winds, drenching rain, snow and surging waves.The storm is expected to knock out power, flood neighborhoods and destroy homes along the Atlantic coast Friday and Saturday.As the high tide advances, authorities are warning residents of coastal communities to be ready to evacuate."Take this storm seriously! This is a LIFE & DEATH situation for those living along the coast, especially those ocean-exposed shorelines," the National Weather Service in Boston tweeted.Like the nor'easter in January, it could undergo bombogenesis -- or become a "bomb cyclone" -- by dropping at least 24 millibars of atmospheric pressure in 24 hours. Some forecasters predict a sudden pressure plummet Friday evening off the Atlantic coast.Here's what to expect in the next few days:Coastal flooding 881

This afternoon around 3 pm, what police say appears to be a stray bullet came through one of our preschool classrooms. Thankfully, no children, teachers, or staff were injured.Our teachers immediately took the children to the chapel, locked down the campus, and called police. Officers arrived shortly after the incident and are now conducting their investigation. At this point, we don't have any information from the police on where the bullet came from but they do assure us that there is no ongoing risk. Given that the bullet fell just inside the window, it appears to have been fired at a great distance, and not be a targeted shooting, according to the police.All of our parents have been notified and are coming to pick up their children now. The school will be closed tomorrow. Out of an abundance of caution, the St. Petersburg Police will be providing additional patrol and security.We are extremely grateful that no one was injured and appreciate the fast action of our teachers, staff and the St. Pete Police to keep everyone safe. 1052

There is something unique about places like Montana. There is an uncertainty to what you could find in “Big Sky Country.”That is a quality that has always driven Joseph Haas’ guide and outfitting business, A Lazy H Outfitters. But this year has brought a kind of uncertainty, unique to anything he’s faced before."By February, it just cratered to almost zero at all in terms of requests for even any information at all," Haas said. “It was, it was scary.”This time of year, people travel from all over to have Haas lead them on multi-day horseback tours through the Montana wilderness, usually."We have very few customers from the east or west coast, California in particular, we are seeing almost nothing from California," Haas said.Haas' business is located in Choteau, Montana, a town with a population of about 1,700 people. Summer is usually the busy season in the community, which located along the shortest route between Glacier National Park and Yellowstone National Park.“I would think that we’ve probably had at least 95% of the events we had booked canceled and reservation-wise," said Barb Bouma, who owns the Stage Stop Inn in Choteau.The American Hotel and Lodging Association says hotel occupancy levels might not recover until 2022 nationwide. Bouma doesn’t know if her hotel will make it that far.“It’s not sustaining itself. How long we can go, yeah I’m not sure," Bouma said.Like many business owners in the pandemic, Haas has had to cut back."Right now, I have one person. Normally, I would have two or three in the summer," Haas said about the number of employees he has getting gear ready for his trips.He says reservations for his business have started to pick up again. He also says reservations for hunting trips he offers are booked years in advance and have held steady.As Haas starts to lead people back into the wild to show off the rugged uncertainty of “Big Sky County,” he hopes the struggles he’s faced this year stay unique to 2020.“There’s so much more known about the coronavirus now," Haas said. "If they can travel, the known will outweigh the risk for people.” 2107

These days, you can sit on your couch and get a pretty accurate answer to the age-old question: “What’s my trade-in worth?”As online used car retailers streamline the buying process, they’re creating more convenient ways to handle car-buying’s Achilles’ heel, the trade-in. And, with the current used car shortage caused by the pandemic, you might get a surprisingly high price selling your car to them rather than trading it in.You don’t have to sell, of course; you’re just finding out what your trade-in is worth in the most accurate way possible — the price someone will actually pay.Here’s what the process looks like, and how you can use the results.Places to get a quote onlineAlthough there may be other places in your area to trade in or sell your car, there are currently three companies dominating online used car sales: Carvana, Shift and Vroom. These companies allow you to self-appraise your car and get a quote to either sell your car or trade it in for one of theirs. The transaction and paperwork are touchless.Not all these companies are nationwide, and your vehicle will be inspected by a company representative — and the offer possibly adjusted — before you get your money.Another way to sell or trade your car is through CarMax, a used car superstore with outlets in 40 states and an in-person appraisal process that takes about 45 minutes. It may be easier to look up your car’s value on Edmunds.com, where you can get a CarMax quote without even having to go to one of its car lots.A real-world comparison testBefore starting the appraisal process, I checked pricing guide Kelley Blue Book, known as KBB, to get an idea of my cars’ trade-in values at a dealer, then collected online offers from CarMax, Carvana, Vroom and Shift.On these sites, you can fill in information manually or supply your car’s license plate number or 17-digit vehicle identification number to fetch precise year, make, model and trim. They’ll ask you about options on the car, color, if the car has been smoked in, and any warning lights or body damage. You’ll typically get an offer in minutes.Here are the results for my 2014 Volkswagen SportWagen TDI with 41,000 miles:KBB trade-in estimate: ,213.Lowest purchase offer (CarMax): ,700.Best purchase offer (Carvana): ,067.I ran the same numbers for my son’s 2016 Mazda3 Sport with 72,732 miles:KBB trade-in estimate: ,085.Lowest purchase offer (Vroom): ,750.Best purchase offer (Shift): ,100.And a friend let me run his 2019 Honda Civic Si with 4,200 miles:KBB trade-in estimate: ,225.Lowest purchase offer (CarMax): ,700.Best purchase offer (Carvana): ,077.As you can see, pricing is highly variable. The more sources you contact, the better.Do you really get that much?These companies promise a no-haggle, fair price for your trade-in. But does the price change when the company’s representative shows up and goes over your car with a fine-toothed comb?Sometimes, sellers omit important aspects of their car’s condition such as frame damage from an accident or rust, says Toby Russell, co-CEO of Shift. In these cases, after a physical inspection, the price is reduced. However, there are times when a customer gets more for a car because market conditions have changed.If a customer is transparent when describing a vehicle’s condition, “we don’t anticipate having to make adjustments to our offers,” says Carvana spokesperson Amy O’Hara. “But we are prepared should the situation arise.”Online comments on sites such as Reddit support these statements. Most consumers found the trade-in or sales process at these companies to be fast, transparent and convenient.Don’t forget the sales taxWith these figures in hand, you are in a position of strength when you visit an actual dealer.In most states, if you trade in your car, you pay sales tax only on the difference between the cost of the new car and your old one. If your new car is ,000 and you are getting ,000 for your trade-in, you pay sales tax on the difference: ,000. In a state with a 10% sales tax, you saved ,000 by trading in.That should be a consideration if a dealer’s offer doesn’t quite measure up to the offers you get online or through CarMax.Let the dealer make you its best offer. Tell the used car manager, the internet sales office or the salesperson that you’ve already appraised your car on pricing guides and gotten quotes from online retailers. You don’t need to share the offers you have — just ask for their best price.Factor in the sales tax before you reject anything, but with backup offers it’s easy to walk away, sell the car independently and return with cash to strike a better deal.More From NerdWalletWill You Get a Refund If COVID-19 Closes Your Campus?College Going Online? Student Loans Still Cover Living CostsChoose the Right Vehicle for Your Off-Road AdventuresPhilip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 4940