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AP-NORC poll: About a quarter of U.S. adults aren’t sure if they want to get COVID-19 shots. Roughly another quarter say they won’t, and for most, their minds are made up. MORE: https://t.co/aXTvrdpCp1 pic.twitter.com/VInDaD8zmV— The Associated Press (@AP) December 9, 2020 287

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

As a thank you to veterans and active duty of the U.S. armed forces, dozens of restaurants are offering free meals on Sunday (and a handful on Monday) for Veterans Day. Check out our list below of different offers. Beverages and gratuity are not included, unless noted.Offers are good for Sunday only unless noted. Offers are at participating locations only.Applebee’s: Veterans and active duty can receive a free dine-in entrée off of Applebee’s special menu. Items include the Bacon Cheeseburger and Fiesta Lime Chicken.Bob Evans: With proof of service, veterans and active duty can receive a free dine-in breakfast entrée, including the Country Biscuit Breakfast or a stack of hotcakes.Buffalo Wild Wings: Veterans and active duty can receive a free small order of wings and French fries with proof of military service on Sunday.California Pizza Kitchen: With proof of service, veterans and active duty are able to select from a limited menu, which includes six pizzas, four full-size salads or three pasta dishes.Cracker Barrel: Veterans can enjoy a free double chocolate Coca-Cola cake or a Crafted Coffee. Denny’s: With a valid military ID, customers can receive a free Grand Slam breakfast from Denny’s from 5 a.m. to noon MondayDunkin': Vets and active duty can get a free doughnut of their choice at participating locations on Sunday. Golden Corral: The buffet joint is offering current and active duty military and reservists a free meal at the buffet from 5 to 9 p.m. Monday. The meal includes a free beverage.Hooters: All day Sunday, veterans and active duty military can choose from one of six entrees, including Hooters’ famous wings.Little Caesar’s: The pizza joint will offer its typical lunch of four slices and a 20-ounce beverage for free to veterans and active military from 11 a.m. to 2 p.m. Sunday.Max and Erma’s: Max and Erma’s will offer its half-pound cheeseburger, fries, and a drink for veterans and active duty Sunday.McCormick & Schmick's: The steak and seafood joint is offering free entrees for veterans and gold star honorees (parents and spouse) on Sunday.  The restaurant has 10 free entrees available for veterans.Orange Leaf Frozen Yogurt: Veterans and active military can get a free cup of frozen yogurt Sunday at participating locations. In order to redeem the free frozen yogurt, click here to print a coupon. Outback Steakhouse: With a valid military ID: Outback Steakhouse is offering a free Bloomin’ Onion and beverage on Sunday.Red Lobster: On Sunday and Monday, Red Lobster is offering a free appetizer or dessert with proof of service. Veterans and active duty can choose from six appetizers or five desserts.Red Robin: This burger joint is offering veterans and active duty a free Red’s Tavern Double Burger and fries all day Sunday.Ruby Tuesday’s: The chain will offer a free appetizer with proof of service all day Sunday.Sizzler: The restaurant is offering a free lunch entrée and beverage for veterans and active military through 4 p.m. Sunday.Starbucks: Veterans, active duty and military spouses are able to get a free 12-ounce coffee all day Sunday.Other deals:Sports Clips and Great Clips are offering veterans free haircuts to veterans and active duty on Sunday.Jiffy Lube: Veterans and active duty can receive 25 percent off most services on Monday by using the coupon code attached here.  3420

As coronavirus cases spike around the country this fall, and cities impose new or stricter stay-at-home policies, Americans continue a trend this year of moving away from big cities and heading to affordable, smaller metro areas or suburbs.In the last few months, Santa Barbara, Louisville, Buffalo, Burlington, and El Paso were the top five cities with more people looking to move there compared to people looking to leave, according to data from Redfin, a home listing company.Redfin looked at data from the third quarter of 2020, and compared it to data from 2019 about how many people were looking into moving to or leaving certain metro areas.“Remote work has opened up a whole new world of possibilities when it comes to buying a home,” said Redfin chief economist Daryl Fairweather in a release from the company. “Many residents of expensive areas like New York or Los Angeles couldn’t manage to afford rent and save for a home at the same time. So it’s no wonder that these folks are looking to buy homes in much more affordable places like Louisville and Little Rock.”Previous reports have shown similar trends in 2020, as the number of vacancies continue to climb in places like Manhattan, home prices are increasing and supply is dwindling in suburbs and smaller cities.An August report from HireaHelper.com, a website that helps with movers, found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. Meanwhile, the state of Idaho saw an increase of 194 percent more people moving in compared to leaving.In the Redfin data, Santa Barbara seems like an expensive outlier in the list of affordable cities. The other cities on the top ten list all have median home prices below the national average of 4,000.“Santa Barbara has become even more popular since the beginning of the pandemic as remote workers leave dense cities for picturesque places with more open spaces and beaches. Another advantage is that it’s not too far from Los Angeles, so remote workers have the option of commuting one or two days a week when offices open,” said California Redfin agent John Burdick in a statement.Overall, Redfin says 29 percent of people looking for homes on their sites in the third quarter of 2020 were looking to move to a different city. 2370

ANAHEIM, Calif. (CNS) - A massive brawl broke out Wednesday at the new Cambria Hotel & Suites in Anaheim involving as many as 100 people, police said.Two people were arrested and two people were taken to a hospital with non-life threatening laceration injuries, Anaheim Police Sgt. Shane Carringer told City News Service. One victim is a boy and the other is a woman, he said.Officers were sent to the hotel at 101 E. Katella Ave., a couple blocks from Disneyland, at about 12:40 p.m. They found about 40 people fighting outside the hotel in the parking lot of the main entrance and up to 60 more fighting inside the lobby, Carringer said.The hotel was placed on lockdown while officers determined whether anyone needed further medical assistance. Ten Orange County sheriff's deputies were called to help sort out the crowd, Carringer said.Police said the situation was cleared at about 3 p.m., but the investigation into what caused the violence was ongoing.Two people were arrested for fighting in public, said Carringer, who added that it appeared the melee involved multiple patrons at the hotel and was not confined to one group of people.Carringer told the OC Register that the fight involved "men and women, adults and juveniles," adding that "it sounds like people had broomsticks and whatever objects they could find in the hotel."The sergeant told CNS that it appeared the fight started at the hotel pool and spilled into other areas. According to KTLA5, the melee began when some children were playing and one of them was pushed into the water, landing on another child.The hotel recently opened and includes a water park, Carringer said. But there have been problems there with two near-drownings in the past two weeks, he said.It also appears that hotel officials were not enforcing COVID-19 guidelines such as social distancing and mask wearing, so city officials will be working with county health officials and other inspectors to get the hotel to better comply with the state's guidelines, Carringer said. 2034

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