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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

An airline employee stole a passenger plane Friday from the Seattle-Tacoma International Airport and flew it for an hour with military jets chasing him, pulling off aerobatic stunts before crashing in a wooded island 25 miles away, authorities said.The 29-year-old Horizon Air ground service agent -- the only person aboard -- died, the Pierce County Sheriff's Department said, without further identifying him.The incident, which the FBI's Seattle office did not consider terrorism, raises questions about airport security. Investigators headed Saturday to the crash site to recover the plane's data recorders and the man's remains as part of a criminal probe, authorities said. 686

An Ohio state Senator used the term "colored people" and asked if the coronavirus pandemic is disproportionately affecting black people because they "do not wash their hands as well as other groups" during a public hearing earlier this week.State Sen. Steve Huffman, R-Tipp City, who represents portions of Dayton, made the comments on Tuesday during a hearing about declaring racism as a "public health crisis.""My point is I understand African Americans have a higher incidence of chronic conditions, and it makes them more susceptible to death from COVID," Huffman said, according to The Dayton Daily News. "But why it doesn't make them more susceptible to just get COVID? Could it just be that African Americans or the colored population do not wash their hands as well as other groups or wear a mask or do not socially distance themselves? That could be the explanation of the higher incidence?"Huffman later issued a statement about his comments, calling them regrettable."Regrettably, I asked a question in an unintentionally awkward way that was perceived as hurtful and was exactly the opposite of what I meant," Huffman said. "I was trying to focus on why COVID-19 affects people of color at a higher rate since we really do not know all the reasons."In response to Huffman's comments, the Ohio Legislative Black Caucus issued a statement calling on all 132 members of the Ohio General Assembly and their staffs to take racial equity and implicit bias training."It is just unbelievable he would ask that kind of question or use that kind of terminology," said Ohio NAACP President Tom Roberts, who used to represent Huffman's district.According to the bio on his state senator page, Huffman has a medical degree and is a practicing physician.The CDC says there are several reasons why African Americans are disproportionately contracting the virus. Black people are more likely to live in cities and multi-generational households, which increases the risk of spread. Black people are also more likely to be employed as essential workers and less likely to be offered paid sick leave. The term "colored" is widely known to be an outdated term for black people in 2020 and is often associated with Jim Crow laws of the early 20th century. 2254

Around the country and the world, statues have become targets.Although the push to remove racially charged monuments isn't new, protesters have taken matters into their own hands.In South Africa, a statue of former President Paul Kruger was vandalized by anti-racism activists. In London -- a Winston Churchill statue stands boarded up.This comes after other monuments to slavers were vandalized and torn down.Over the weekend in New Orleans, protesters took down a statue to slave owner John McDonough.A Christopher Columbus statue in Boston was recently beheaded, another thrown into a river.Across the United States, monuments to the Confederacy have been targeted.“There are a lot of people that have expressed this concern that if we take down monuments, then we are destroying our history or removing our history,” said Christopher Bonner, assistant professor of history at the University of Maryland. “I would disagree with that. I think that's not at all what's happening.”He says historians know these statues are not really about the Civil War.Bonner points to a speech from when a Confederate statue was erected at the University of Mississippi in 1906.“The person who was dedicating the monument was very clear about what was being memorialized,” said Bonner. “They said that former Confederate soldiers as valor, as noble as they were on the battlefield, they said that they were more important for the work that they did to restore white supremacy in the aftermath of the Civil War.”Many city officials are addressing the movement.In these 11 states, controversial statues have been taken down or are scheduled for removal: Alabama, Texas, Florida, New York, Michigan, Indiana, Virginia, North Carolina, Kentucky, Massachusetts, Pennsylvania. 1764

ANAHEIM, Calif. (KGTV) - "Toy Story" fans will be "eternally grateful" when they visit Disneyland's Tomorrowland this summer.In honor of Pixar Fest, the park will transform Redd Rocket's Pizza Port into "Toy Story's" Alien Pizza Planet, featured prominently in the Pixar animated movies.Pizza Planet is most memorable for its host of little green aliens who worshipped "the claw" (a claw machine) and expressed gratitude upon their rescue from the pizza place (repeating "we are eternally grateful.")RELATED: Several Downtown Disney businesses to close for 700-room hotelAmong the delicious pizza additions will be a specialty pepperoni-green pepper pizza and cheeseburger pizza. The latter of which includes ketchup, yellow mustard and pizza sauce with cheese, slider patties, a house-made burger sauce, and pickles.The change is just one of the park's ways of celebrating Pixar Fest from April 13 through Sept. 3. The festival will cover both Disneyland and California Adventure parks.The festival will also feature the opening of Pixar Pier, where guests can run around with characters from "Toy Story," "The Incredibles," "WALL-E," and "Inside Out." The park will also bring back their Paint the Night parade and introduce a new Pixar-themed fireworks show. 1289

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