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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

ANTIOCH, Ill. — An Illinois teen has been arrested in connection to the deadly shooting of two people at a Kenosha, Wisconsin protest Tuesday night.BELOW: Law enforcement provides update on unrestThe juvenile, 17, was arrested in Antioch, Illinois on Wednesday. He is accused of shooting and killing two people at a Kenosha protest, the third night in-a-row of unrest in the town. A third person was injured in the shooting and taken to the hospital.The Village of Antioch Police Department said the teen was arrested Wednesday morning.The teen will be charged with first-degree intentional homicide and is waiting for extradition to Wisconsin.The shooting happened just before midnight in an area where police said demonstrations were happening.Police fired tear gas in an attempt to disperse protesters during a third night of unrest in Wisconsin following the shooting of a Jacob Blake, who is now paralyzed.Attorney Ben Crump spoke Tuesday alongside family members of Blake. He said it would “take a miracle” for Blake to walk again.“I am asking everyone, take a moment and examine your heart. Citizens, police officers, firemen, clergy, politicians. Do Jacob justice on this level, and examine your hearts. We need healing,” Blake’s mother, Julia Jackson said at Tuesday's press conference.This story originally reported by Mayra Monroy on TMJ4.com. 1362

As if the gut-wrenching images weren't powerful enough, the staggering numbers behind the California wildfires show this recent rash of infernos is unlike any other: 173

And they're married! Britain's Prince Harry and US actress Meghan Markle sealed their wedding vows with a kiss on the steps outside Windsor's St. George's Chapel on Saturday, cheered on by delighted crowds.The couple -- now the Duke and Duchess of Sussex -- then set off on a procession through the streets of Windsor in an open carriage drawn by four Windsor Grey horses.The bridal party, including three-year-old Princess Charlotte, Harry's niece, waved enthusiastically as the couple departed from the chapel after a ceremony that was unprecedented in British royal history.In a departure from tradition, Markle walked much of the way up the aisle unchaperoned, followed by her 10 bridesmaids and page boys -- a move that was seen as a powerful statement of her feminist principles.Rewatch the entire ceremony in the player below. It begins at about the two-hour mark:Her elegant white dress with an open bateau neckline was by British designer Clare Waight Keller, Givenchy's first female artistic director. Her 16-foot-long veil was held in place by a diamond bandeau tiara lent to her by the Queen.Only when she reached the 15th-century chapel's Quire was Markle accompanied for her final steps to the foot of the altar by Prince Charles, Harry's father.Harry, flanked by his brother and best man Prince William, looked emotional as he waited at the altar, dressed in the frockcoat uniform of the Blues and Royals.The couple sat with clasped hands as they listened to an impassioned sermon from Chicago-based bishop Michael Curry, the first African-American head of the Episcopal Church in the United States.His fiery preaching style was a marked departure from the usually conservative tone of a British royal wedding. Harry could be seen saying "Wow" to Meghan as the sermon ended.It was followed by a performance of the Ben E. King classic "Stand by me" by the Kingdom Choir, a group of 20 gospel singers.Meghan was all smiles as she said her vows and gave Harry his wedding ring. The crowd could be faintly heard cheering outside as the couple were proclaimed husband and wife by the Archbishop of Canterbury, Justin Welby, the most senior cleric in the Church of England.Big moments so far? Harry's aunt Lady Jane Fellowes, the sister of his late mother, Princess Diana, gave the reading from the Book of Solomon.? Palace revealed that Meghan's wedding ring has been made from Welsh gold and is a gift from the Queen, while Harry's is platinum.? The Queen conferred the titles of Duke of Sussex, Earl of Dumbarton and Baron Kilkeel on Prince Harry, making Meghan the first-ever Duchess of Sussex.The last to arrive before the bride was the Queen, wearing a lime silk dress, accompanied by Prince Philip.Among the host of famous guests already waiting in the chapel were Oprah Winfrey, George and Amal Clooney -- dressed in an eye-catching yellow dress and hat -- tennis star Serena Williams, actor Idris Elba and singer James Blunt.Former footballer and celebrity David Beckham stopped to hug a fan as he walked alongside wife Victoria Beckham, former Spice Girls singer turned fashion designer, toward the chapel door.Guests connected to the royal family included Pippa Middleton and her parents and Tom Parker Bowles, who is the son of Prince Charles' wife, Camilla. Earl Charles Spencer -- brother of Harry's mother, the late Princess Diana -- was another of the guests, as was Harry's aunt Sarah Ferguson, the ex-wife of Prince Andrew.Former Prime Minister John Major, who was made a guardian to William and Harry after Diana died in 1997, was another high profile guest. Current Prime Minister Theresa May was not invited.Senior members of the royal family, Prince Charles, the Princess Royal, Prince Andrew and his daughters, Princesses Eugenie and Beatrice were among the last to arrive.Crowds gathered in the streets of Windsor from early Saturday, hoping to catch a glimpse of the bride and groom as they process through the town in an open horse-drawn carriage following the ceremony. Other devoted royal fans have camped out for several days to get the best possible spot. Forecasters promise blue skies for the big day.Many more people planned to rise early (or stay up all night) in the United States to watch as Harry, long a favorite with the British public for his irreverent good humor, tied the knot with his California-born bride.The wedding represents a historic moment for the royal family, as it welcomes an outspoken biracial, American divorcée into its ranks.In a reflection of its contemporary nature, the couple chose a modern set of wedding vows, with the text of the formal parts of the service taken from Common Worship, the Church of England's standard liturgy, first published in 2000. It is thought to be the first time that this text has been used in a royal wedding.There was no promise by Markle to "obey" her husband. Rather, Meghan pledged to "love him, comfort him, honor and protect him." Harry has chosen to wear a wedding ring, unlike his brother.The award-winning young cellist Sheku Kanneh-Mason was chosen to play during the signing of the register. The ceremony will end with the Etta James version of "Amen/This Little Light of Mine," a gospel song that became synonymous with the US civil rights movement.The presence of Harry's mother was also felt at the ceremony. "Guide me o thou great redeemer" was sung at Diana's funeral, at her memorial service in 2007 and at Kate and William's wedding in 2011.Guests from Markle's side included cast members from "Suits" -- the legal drama in which she made her name. Actresses Abigail Spencer, Sarah Rafferty, Gina Torres and actor Gabriel Macht were all seen arriving.It appeared that TV legend and philanthropist Winfrey, dressed in Stella McCartney with a large hat, would be seated in the Quire with the family and other close friends, rather than in the main body of guests in the nave.In an effort to be inclusive, the couple invited 2,640 members of the public, including 1,200 ordinary people from communities around the United Kingdom, to watch from inside the castle grounds as the guests arrived.Among them were Helen McKenzie and Louis Davidson, who were invited through their local community in Somerset. "We got the invitation a while ago but had to keep it secret. It wasn't easy!" Davidson told CNN as the pair headed into the castle.Timeline: From blind date to 'I will'The-CNN-Wire 6409

An on-duty FBI agent was in the shoulder in New York City on Saturday, and is being treated at a hospital, WABC-TV reported. The incident took place in the borough of Brooklyn around 3:30 p.m. ET. The NYPD has only confirmed that there has been an incident at this location. There is no word on whether a suspect has been captured.  355

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