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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

Artificial turf has been a staple in many pro sports stadiums for about 50 years. And while there's no doubt that AstroTurf and its modern equivalent, FieldTurf, have changed the way pro football and baseball have been played, the surfaces have generally been considered safe for athletes to play on.But on Monday, the NFL Player's Association formally called on team owners to "proactively change all field surfaces to natural grass," citing higher rates of injuries to players who are playing on artificial fields.In an open letter, NFLPA President J.C. Tretter — a center for Cleveland Browns in the midst of his eighth NFL season — claimed that most of his teammates preferred to play on grass, noting that his joints felt "noticeably stiffer" after playing on artificial turf."The unforgiving nature of artificial turf compounds the grind on the body we already bear from playing a contact sport," Tretter wrote.In his letter, Tretter wrote that real grass offers more "give," reducing the stress on feet, ankles and knees. He also noted that NFL injury data shows players have a 28% higher rate of non-contact lower extremity injuries when playing on artificial turf.Tretter also noted that despite harsh conditions, cold-weather cities like Cleveland, Green Bay and Pittsburgh still use traditional grass fields. In addition, indoor stadiums in Las Vegas and Phoenix also use grass surfaces."Agronomically, natural grass field surfaces are possible everywhere," Tretter said.As of 2020, 17 of 31 NFL stadiums use traditional grass.Tretter's letter comes weeks after the NFL was forced to inspect the artificial turf at MetLife Stadium — home of the Jets and Giants — after several high-profile players were injured in the surface in the opening weeks of the season. Among those hurt during weeks 2 and 3 of the season were 49ers players George Kittle Nick Bosa, Jimmy Garoppolo and Raheem Mostert.In 2015, Houston's NRG Stadium switched from natural grass to an artificial surface after more than a decade amid player criticism over injury concerns. Due to its retractable roof, groundskeepers grew grass in trays outdoors and then brought the trays indoors and assembled them together with forklifts to form the playing surface. Players claimed the system created seams in the playing surface which led to injuries, and the stadium even faced a lawsuit from a former player who claimed the grass led to a career-ending injury.Tretter's Browns teammate, wide receiver Odell Beckham Jr., was lost for the season this week after suffering an ACL tear while playing on an artificial surface at Paul Brown Stadium in Cincinnati on Sunday. 2649

Apple One is now available, including a free trial and pricing information. So, what is it?It’s not a streaming service, it’s a “bundle” of Apple products.Apple One is a subscription plan from Apple that brings together up to six of their services, across all devices, for one price. Depending on the plan, the products could be shared with up to five people.The opportunity to bundle products was announced at an Apple event earlier this year, without a launch date. It is now available in the app store and their website.The three tiers were announced this week. The cheapest level is .95 a month, and includes Apple Music, Apple TV+, Apple Arcade, and 50GB on iCloud for one person.The family plan includes those four products, for up to five people, at .95 a month.The top tier premier plan is .95 a month, and includes the same four products, plus AppleNews+ and AppleFitness+ (which has not launched yet).Compared to purchasing the individual products, if a person wanted to purchase all of them, the individual plan will save a person a month, the family plan saves a month, and the premier plan saves a month.Subscriptions work across Apple devices, including iPhones, iPads, Apple TV’s, and Mac computers.Apple is offering a free month-long trial. 1283

An autopsy performed on Kirkersville, Ohio police chief James Hughes Jr. revealed that the chief died of an accidental drug overdose from fentanyl, which he allegedly obtained from the police's evidence room, the Newark Advocate reported. Hughes died on May 25 after he was found unresponsive in his bathroom. An investigation conducted by police in nearby Reynoldsburg, Ohio alleged that Hughes took the drugs from the police evidence room as part of evidence involving other cases. The autopsy was performed by the Franklin County Coroner's Office in Columbus. Hughes was named chief of police on March 13, despite a checkered record, according to the Advocate. The Advocate reported that Hughes was found guilty of disorderly conduct in 2013 when Hughes allegedly yelled racial slurs at fast food employees. Investigators in Reynoldsburg said that from this point, the Ohio Attorney's General Office should handle the investigation.  999

Andrea Constand, the key witness in Bill Cosby's retrial on indecent assault charges, testified during cross-examination why she agreed to a .38 million civil settlement in which Cosby did not admit to wrongdoing."I can't speak for him, but I was glad it was over," Constand said in court Monday."(I signed it) because it was a very painstaking process for me and my family, it tore my family apart and we just wanted it over," she added. 448