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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’s Chief Medical Officer and leaders from our pilots’ office have been in touch with our Dallas Fort Worth based pilot who tested positive for COVID-19. We are in close contact with the Centers for Disease Control and Prevention (CDC) and public health officials and are coordinating with them on all required health and safety measures.“ 354

An eruption from the Kilauea volcano's summit shot ash and smoke into the air early Thursday on Hawaii's Big Island, and the resulting plume is expected to cover the surrounding area, according to the Hawaiian Volcano Observatory.Nearby residents are being asked to shelter in place if they are in the path of the ash plume, which the wind is carrying to the southeast of the volcano."Driving conditions may be dangerous so if you are driving pull off the road and wait until visibility improves," an alert from the observatory warned.Thursday's eruption is just the latest volcanic activity contributing to the nightmare on the Big Island since the volcano first went off May 3.An ash plume Wednesday rose roughly 12,000 feet into the air, and on Tuesday, the US Geological Survey issued a red alert, which means a major eruption is imminent or underway and ash could affect air traffic.It is not clear if this was a phreatic eruption, which US Geological Survey officials have been saying is capable of sending ash plumes as far as 12 miles away from the summit.These are steam-driven explosions that occur when water beneath the ground or on the surface is heated by magma, lava, hot rocks or new volcanic deposits, the USGS says. The intense heat may cause that water to boil and result in eruptions.The lava lake in the crater has been dropping since May 2, which increases the chances for a phreatic explosion, but it will be difficult to warn residents who may be in the path of such an eruption.Phreatic eruptions are "notoriously hard to forecast, and can occur with little or no warning," Hawaiian Volcano Observatory geologist Janet Babb said.While the ash being launched into the sky is not poisonous, Hawaii County officials have warned residents about toxic sulfur dioxide seeping out of 21 fissures caused by the volcano."Severe conditions may exist such as choking and inability to breathe," the county's Civil Defense Agency said Wednesday. "This is a serious situation that affects the entire exposed population."The-CNN-Wire 2051

ANAHEIM, Calif. (AP) — Robert Downey Jr. says he had a wild Disneyland ride in his younger days.The "Iron Man" and "Avengers: Endgame" star, among those honored Friday as Disney Legends, said his first visit to the Southern California resort included a brief detention for "smoking pot in a gondola.""I was brought to a surprisingly friendly processing center, given a stern warning and returned to, if memory serves, one very disappointed group chaperone," Downey said.He turned serious when he spoke about the Marvel movies."I get to remain a fan of the first inclusive and evolving cinematic universe ever so far," said Downey, whose character meets a dark fate in "Avengers: Endgame."Disney CEO Robert Iger presented the Legends trophy to the actor at the D23 Expo Disney fan event. The company said it honors those who have made remarkable contributions to the Disney legacy.Singer Christina Aguilera, actress Ming-Na Wen, journalists Diane Sawyer and Robin Roberts and directors Jon Favreau and Kenny Ortega were among others receiving trophies.Aguilera, who performed "Reflection" from the Disney movie "Mulan," called it "way cooler than a Grammy."Wen thanked her mother for giving her the courage to live "this American dream."The actress voiced the role of Mulan and is joining the cast of the upcoming Disney Plus streaming service's "The Mandalorian." 1371

Apparently, the mysterious monolith in a remote area of southeast Utah wasn't that hard to find for at least one person and his crew.Dave Sparks, star of the Discovery Channel show "Diesel Brothers," was able to find the tall and shiny object earlier this week, days after officials in Utah announced its discovery.Sparks posted videos on his Instagram account from the undisclosed location.Sparks says the monolith is an "insanely creative piece of metal art." He also described how the monolith was most likely constructed in an Instagram video. 555

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