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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

American Airlines is taking its long-grounded Boeing 737 Max jets out of storage, updating key flight-control software, and flying the planes in preparation for the first flights with paying passengers later this month.The airline invited press reporters and photographers on board one of the planes Wednesday to demonstrate its confidence in the plane’s safety.All Max jets worldwide were grounded in March 2019 after the second of two crashes that together killed 346 people. Last month, the Federal Aviation Administration approved changes — mainly in flight-control software — that will allow airlines to resume flying the plane.American flew journalists from Dallas to the airline’s maintenance center in Tulsa, Oklahoma, where crews explained how they are bringing the planes out of storage and making FAA-required changes.American is likely to be the first carrier to put passengers on Max jets, beginning Dec. 29 with once-a-day round trips between New York and Miami. In the meantime, the airline plans flights with employees on board.Some relatives of people who died in the crashes — and who still believe the plane is unsafe — expressed outrage at both Boeing and American over what they termed a publicity stunt.Zipporah Kuria, a British citizen whose father died in the second Max crash, said Boeing and the FAA should instead turn over documents on changes made to fix the plane and how they were tested. The company has withheld the documents, saying they cover trade secrets.“I feel like Boeing is using the press to leverage public trust instead of actually genuinely earning public trust,” she said. “I’m really disgusted by the whole thing and the fact that American Airlines would pay for that. Their focus is more about the profit and corporate interest than it is about consumer safety.”Some people who lost family members believe that the FAA erred by not accepting all the recommendations made by pilots and aviation professionals during a public comment period on its proposal to let the plane fly again.Scrutiny of the plane has focused on a flight-control system called MCAS, which repeatedly pushed down the nose of the plane before both crashes. Boeing, which describes changes to the plane on its website, and the FAA say the system has been made less powerful and easier for pilots to override.Some of the family members, however, wanted a deeper, nose-to-tail review of the plane. And they don’t trust Boeing or the FAA, which allowed the plane to keep flying after the first crash, in Indonesia in 2018.“It hasn’t been evaluated to the point where we can say that it’s safe,” said Nadia Milleron, whose daughter was killed in the second crash, which occurred in Ethiopia. “This plane hasn’t flown very much with this new software, the revamped MCAS, interfacing with the plane. It’s not responsible for them to put you on this flight.”Chicago-based Boeing said Wednesday it has flown more than 1,400 test flights on updated Max planes. The FAA said its people put in 60,000 hours reviewing and testing Boeing’s work.American is likely to be the only U.S. carrier using the Max for several weeks. United Airlines expects to put the plane back in its schedule during the first quarter of next year, with Southwest following in the second quarter. Regulators in Europe and Brazil have cleared a path for their airlines to resume Max flights in a few weeks.It’s unclear whether the flying public will accept the plane or avoid it. Some industry officials believe that fear of getting on the plane has lessened with time. American says that if customers don’t want to fly on a Max, it will have the flexibility to put them on other planes.___David Koenig can be reached at www.twitter.com/airlinewriter 3739

As Democrats remain nervous over the status of the Senate and White House, Democrats will likely retain the House.This comes despite losing some ground so far in the House. As of 3:30 a.m. ET, Democrats have flipped two seats in their favor, while Republicans have flipped six, resulting in a net gain for the GOP of four. Democrats can afford to lose 14 seats and retain a majority in the House.All six seats Republicans flipped on Tuesday were ones that Democrats flipped in 2018. The two seats gained by Democrats both came in North Carolina. Deborah Ross took the state’s second congressional district, while Kathy Manning won the state’s sixth congressional district. Both seats were open as the two GOP incumbents were not in the general election.The Republicans gained a seat in Florida’s 26th district as Carlos Gimenez upended incumbent Rep. Debbie Mucarsel-Powell. Mucarsel-Powell was only a one-term member of Congress as she herself defeated an incumbent GOP representative. The Florida 27th was also a turnover for Republicans, as Maria Elvira Salazar defeated Rep. Donna Shalala, who was a freshman first elected in 2018. In South Carolina, Nancy Mace narrowly defeated Rep. Joe Cunningham. In Minnesota, Michelle Fischbach defeated Rep. Collin Peterson by what appears to be a sizable margin. Stephanie Bice won a narrow race over Rep. Kendra Horn in Oklahoma. Yvette Herrell has defeated Rep. Xochitl Torres Small in New Mexico. 1454

Anti-Trump protestors arrive to the staging area where the president is expected to tour the border fence nearby. @10News #Trump #TrumpinCalexico pic.twitter.com/izwGlW0qlp— Laura Acevedo (@10NewsAcevedo) April 5, 2019 232

Aretha Franklin, whose gospel-rooted singing and bluesy yet expansive delivery earned her the title "the Queen of Soul," has died, a family statement said Thursday. She was 76.Franklin died at 9:50 a.m. at her home in Detroit, surrounded by family and friends, according to a statement on behalf of Franklin's family from her longtime publicist Gwendolyn Quinn.The "official cause of death was due to advanced pancreatic cancer of the neuroendocrine type, which was confirmed by Franklin's oncologist, Dr. Philip Phillips of Karmanos Cancer Institute in Detroit," the family statement said.PHOTOS: REMEMBERING ARETHA FRANKLINTributes and tears flooded in Thursday after news of her death broke."Aretha helped define the American experience," former President Barack Obama said in a statement. "In her voice, we could feel our history, all of it and in every shade -- our power and our pain, our darkness and our light, our quest for redemption and our hard-won respect. May the Queen of Soul rest in eternal peace."READ MORE CELEBRITY TRIBUTES HERELegendary soul singer and Franklin's friend of more than sixty years, Sam Moore, had words of sorrow and comfort to offer."I adored her and I know the feelings were mutual. While I'm heartbroken that she's gone I know she's in the Lord's arms and she's not in pain or suffering anymore from the damn cancer that took her away from us," he said in a statement. "I'm going to hope, pray and count on the fact that I will see her again sometime. Rest in the Lord's arms in love, Re."Franklin's fans paid tribute with flowers and a crown left on her Hollywood Walk of Fame star in Los Angeles.Her death comes three days after a source close to Franklin told CNN's Don Lemon that the singer was in hospice care."In one of the darkest moments of our lives, we are not able to find the appropriate words to express the pain in our heart. We have lost the matriarch and rock of our family. The love she had for her children, grandchildren, nieces, nephews, and cousins knew no bounds," Franklin's family said."We have been deeply touched by the incredible outpouring of love and support we have received from close friends, supporters and fans all around the world. Thank you for your compassion and prayers. We have felt your love for Aretha and it brings us comfort to know that her legacy will live on. As we grieve, we ask that you respect our privacy during this difficult time."Funeral arrangements will be announced in the coming days, the statement said.The singer had been reported to be in failing health for years and appeared frail in recent photos, but she kept her struggles private.In February 2017, Franklin announced she would stop touring, but she continued to book concerts. Earlier this year, she canceled a pair of performances, including at the New Orleans Jazz Fest, on doctor's orders, according to Rolling Stone.The singer's final public performance was last November, when she sang at an Elton John AIDS Foundation gala in New York. 3006

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