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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

Anderson Cooper's interview with Stormy Daniels propelled "60 Minutes" to its highest-rated episode in 10 years, according to Nielsen ratings.Preliminary ratings, known as "overnights," showed the episode drawing more than twice as many viewers than a typical edition of the show.The program is expected to rank as the highest-rated "60 Minutes" episode since Barack and Michelle Obama sat down for their first post-election interview in 2008. 451

An atheist couple in Canada who complained about classroom celebrations of religious holidays was awarded ,000 (almost ,000 in US money) by a human rights tribunal after their daughter was barred from re-enrolling in her preschool.The outspoken parents sued Bowen Island Montessori School (BIMS) in Bowen Island, British Columbia after the school asked the family to sign a letter agreeing to the school's multicultural curriculum -- refusing to register the girl for the following school year until the letter was signed.The parents, Gary Mangel and Mai Yasué, said barring their daughter from enrollment constituted discrimination against their religion, race, ancestry and family status."This case is not about a challenge to BIMS curriculum," wrote tribunal member Barbara Korenkiewicz in her verdict. "At its core, it is about a letter which held [the child's] registration hostage to a demand." 918

Andrea Constand, the key witness in the retrial of Bill Cosby on indecent assault charges, testified Friday morning that she drank wine and took three blue pills at Cosby's urging in January 2004, then lost consciousness and, sometime later, was "jolted awake" to find the entertainer sexually assaulting her."Were you able to verbalize and tell him to stop?" state prosecutor Kristen Feden asked Constand."No," she replied. "I wanted it to stop. I couldn't say anything. I was trying to get my hands to move, my legs to move and the message just wasn't getting there. I was weak, I was limp and I couldn't fight him off.""I was really humiliated. I was in shock. And I was really confused," Constand added.Constand's testimony came on the ninth day of Cosby's retrial on three charges of aggravated indecent assault. He has pleaded not guilty.Leading up to Constand's recollection of the alleged assault, the former Temple University employee traced her relationship with Cosby, whom she said she met while handling operations of the school's women's basketball team. Cosby was an active Temple alumnus.Constand offered brief details of seven social encounters she had with Cosby before the alleged assault, including one in which she said he put his hand on her thigh and another when she said he tried to "unbutton my button on my pants.""I mentioned that I wasn't here for that, and he respectfully stopped and we never talked about it again," Constand said of the latter incident. "He got the picture."After that encounter -- but before the early 2004 incident -- "I had no question about my ability to fend off a person that was hitting on me or making a sexual advance on me," Constand testified.Constand began her testimony Friday as prosecutors this week opened their case: by acknowledging that Cosby paid Constand .38 million as part of a civil settlement. She said she has no further legal action pending against Cosby, who, in that case, admitted he got prescription sedatives to give to women with whom he wanted to have sex.Feden is expected to continue questioning Constand early Friday afternoon, after a short court recess.  2157

Anna Camp opened up in an Instagram post about her recent COVID-19 diagnosis, and pleads with her followers to wear a mask.She says she believes she contracted the virus the one time she didn’t wear a mask. Camp says she was “incredibly safe”, wearing a mask and using hand sanitizer. Then, “one time, when the world was starting to open up, I decided to forgo wearing my mask in public. One. Time. And I ended up getting it.”She describes being “extremely sick” for more than three weeks, and still experiencing lingering symptoms. 540

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