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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

An unauthorized vehicle drove onto Travis Air Force Base in Northern California, crashed and erupted into flames, killing the driver, authorities said.There were no other fatalities in the security breach Wednesday night, the base said in a statement. It did not identify the driver, but said the car "gained unauthorized access" through the main gate."Travis AFB security forces immediately responded," the statement said. "Additionally, the base's explosive ordnance disposal team, office of special investigations and other responders were on scene."It's unclear whether the crash was deliberate. The Air Force and the FBI are investigating."The investigation is ongoing and there are no current known threats to the base or community," the base said. " The main gate has reopened and all other facilities are operating as normal."Travis Air Force Base is home to 10,000 military personnel, and a major hub for logistics and military cargo in the Pacific. It's the largest military aerial port in the US, and includes facilities for airlift and aerial refueling.The base is located in Solano County and is midway between Sacramento and San Francisco."The safety and welfare of our airmen, their families and our local community is our top priority," said Col. John Klein, 60th Air Mobility Wing commander. "I am extremely proud of how our first responders quickly addressed the situation to keep Travis and the surrounding area out of harm's way."  1464

An Atlanta police officer has been fired following the fatal shooting of a black man and a second officer was placed on administrative duty. The move announced by police early Sunday comes on the heels of the resignation of Atlanta's police chief following the killing of 27-year-old Rayshard Brooks. Police identified the fired officer as Garrett Rolfe. Atlanta Mayor Keisha Lance Bottoms said she doesn’t believe the shooting was justified. "It has become abundantly clear that over the last couple weeks in Atlanta is that while we have a police force full of men and women who work alongside our communities with honor respect and dignity," Bottoms said, "there has been a disconnect with what our expectations are, and should be as it relates to interactions with our officers and the communities in which they are entrusted to protect."The Georgia Bureau of Investigation say Brooks resisted arrest after he failed a field sobriety test and a struggle ensued over a Taser. Police say 36 people were arrested at Saturday night protests. A Wendy's restaurant, which was the site of Brooks' death, was destroyed amid the unrest on Saturday.Police have released body camera and dash camera footage.The Georgia Bureau of Investigations said that officers responded to a call of a man who fell asleep behind the wheel in a drive thru. The police accused Brooks of failing a field sobriety test.Police then claimed Brooks struggled with officers during the arrest. The Georgia Bureau of Investigations said that officers then fired a Taser at Brooks.Eyewitnesses told investigators that Brooks then struggled with officers over the Taser, and that’s when Rolfe officer shot Brooks.Brooks was transported to the hospital, and he died during surgery.Atlanta has been the site of a number of large protests in recent weeks in the wake of the death of George Floyd. Floyd died on Memorial Day in police custody after a Minneapolis police officer held a knee against his neck for nearly nine minutes.The NAACP reacted to Saturday's shooting via Twitter."Stop urging the black community to be patient as our people are being gunned down by those sworn to 'protect and serve.' Sweeping police reform is no longer a consideration," the NAACP said in a statement. 2261

As a 17-year-old faces charges of reckless and intentional homicide, we are learning more about the three people he shot, killing two, and the steps they took to try and stop the suspect.The suspect had reportedly clashed with a crowd of people Tuesday night in Kenosha, Wisconsin. The demonstrators were out for a third night after the Sunday shooting of Jacob Blake by Kenosha officers. Blake was shot several times in the back and is recovering, his family says it will be a miracle if he is able to walk again. 522

ARIZONA — First responders put their lives on the line at school shootings — and see the sad aftermath of what a gunman can do.But now, first responders are offering school districts a simple device to help students survive when a shooter attacks.It's a sad sign of the times but it is something we have to think about all the time now: the idea of an armed intruder going into a school, or some other place and doing as much killing as they possibly can. Now, locally there's a very simple idea to help make the schools safer.A fire hose is a strong, simple life saving tool. After years of high pressure use it’s retired. But now old hose has a new way to save lives. A small slice of that tough tubing can prevent a shooter from getting into a classroom.Grant Reed of Rural Metro Fire Department showed how to apply the piece of fire hose to a typical door closer, common in many schools."We're gonna slide it right over here, right over this hydraulic arm. The goal is to keep this where it cannot open anymore so it's pretty simple to go on. Just attach it. Once it's slid over the arms makes it a lot more difficult for this door to open." Rural Metro says the sleeves were first used in Kansas. Many schools are beginning to use them.Rural Metro is sharing these security sleeves with the Tanque Verde School District and other districts Rural Metro serves. The Pima County Sheriff's Department was happy to see schools have another way to buy time while deputies rush to take down a shooter. School Resource Deputy Scott McLeod says the sleeves are something a teacher can put on fast, then take other steps to make the room a tougher target."I tell the teachers enlist the help of your students if you are in a true lockdown scenario, enlist your students, have them help you out, barricade the door and also use the sleeve." Tanque Verde Superintendent Scott Hagerman works to balance education with emergency training.“Just enough knowledge that they feel safe and comfortable but not such a focus that all we are thinking about is the day to day, how do we keep ourselves safe, that we can just know what we need to know but then let's get back to school." 2181

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