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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

ANAHEIM, Calif. (KGTV) -- A man was arrested in Santa Ana Monday in the murder of an Escondido man whose body was discovered in the trunk of a car parked in Anaheim. Orange County authorities held a news conference Wednesday announcing the arrest of Antonio Silva Lopez, 27. As SWAT teams raided the home, they discovered another man inside who had been kidnapped and was being held for ransom, KABC reports. Lopez has been charged with murder along with a felony count of kidnapping for ransom-extortion or to commit robbery or a sex crime, court records show. RELATED: Body found in trunk of abandoned car in Anaheim identified as Escondido manAuthorities also discovered roughly two kilograms of fentanyl along with multiple firearms. Lopez was sought in the death of 34-year-old Adrian Darren Bonar. Bonar’s body was discovered October 17 when an abandoned car was being prepared to be towed from Santa Ana Canyon Road in Anaheim. Upon opening the trunk, officers saw something wrapped in tarp inside that “was a similar size and shape of a human body,” police said.Bonar, according to police, was “known to frequent motels in North San Diego County and Los Angeles County.”Friends said Bonar served in the Army and was deployed to Iraq, City News Service reports. 1277

As a thank you to veterans and active duty of the U.S. armed forces, dozens of restaurants are offering free meals on Sunday (and a handful on Monday) for Veterans Day. Check out our list below of different offers. Beverages and gratuity are not included, unless noted.Offers are good for Sunday only unless noted. Offers are at participating locations only.Applebee’s: Veterans and active duty can receive a free dine-in entrée off of Applebee’s special menu. Items include the Bacon Cheeseburger and Fiesta Lime Chicken.Bob Evans: With proof of service, veterans and active duty can receive a free dine-in breakfast entrée, including the Country Biscuit Breakfast or a stack of hotcakes.Buffalo Wild Wings: Veterans and active duty can receive a free small order of wings and French fries with proof of military service on Sunday.California Pizza Kitchen: With proof of service, veterans and active duty are able to select from a limited menu, which includes six pizzas, four full-size salads or three pasta dishes.Cracker Barrel: Veterans can enjoy a free double chocolate Coca-Cola cake or a Crafted Coffee. Denny’s: With a valid military ID, customers can receive a free Grand Slam breakfast from Denny’s from 5 a.m. to noon MondayDunkin': Vets and active duty can get a free doughnut of their choice at participating locations on Sunday. Golden Corral: The buffet joint is offering current and active duty military and reservists a free meal at the buffet from 5 to 9 p.m. Monday. The meal includes a free beverage.Hooters: All day Sunday, veterans and active duty military can choose from one of six entrees, including Hooters’ famous wings.Little Caesar’s: The pizza joint will offer its typical lunch of four slices and a 20-ounce beverage for free to veterans and active military from 11 a.m. to 2 p.m. Sunday.Max and Erma’s: Max and Erma’s will offer its half-pound cheeseburger, fries, and a drink for veterans and active duty Sunday.McCormick & Schmick's: The steak and seafood joint is offering free entrees for veterans and gold star honorees (parents and spouse) on Sunday.  The restaurant has 10 free entrees available for veterans.Orange Leaf Frozen Yogurt: Veterans and active military can get a free cup of frozen yogurt Sunday at participating locations. In order to redeem the free frozen yogurt, click here to print a coupon. Outback Steakhouse: With a valid military ID: Outback Steakhouse is offering a free Bloomin’ Onion and beverage on Sunday.Red Lobster: On Sunday and Monday, Red Lobster is offering a free appetizer or dessert with proof of service. Veterans and active duty can choose from six appetizers or five desserts.Red Robin: This burger joint is offering veterans and active duty a free Red’s Tavern Double Burger and fries all day Sunday.Ruby Tuesday’s: The chain will offer a free appetizer with proof of service all day Sunday.Sizzler: The restaurant is offering a free lunch entrée and beverage for veterans and active military through 4 p.m. Sunday.Starbucks: Veterans, active duty and military spouses are able to get a free 12-ounce coffee all day Sunday.Other deals:Sports Clips and Great Clips are offering veterans free haircuts to veterans and active duty on Sunday.Jiffy Lube: Veterans and active duty can receive 25 percent off most services on Monday by using the coupon code attached here.  3420

As families along the Gulf Coast deal with the aftermath of Hurricane Laura, people in Iowa are still without power after a derecho with winds of up to 140 miles per hour hit parts of the state on August 10.The term derecho was derived in the state to characterize a line of fast-moving thunderstorms that can produce hurricane-force straight-line winds.“It’s just a mess,” said Steve Becker who farms 800 acres of corn and soybean crops just west of Cedar Rapids.The storm began in the western part of the state and roared to the east, damaging between 10 million and 14 million acres of farmland in the state.In Cedar Rapids, apartment buildings sit without rooves and cars lay totaled. The city was the hardest hit in the state as the National Weather Service measured wind speeds equivalent to that of a Category 4 hurricane.As you drive into Cedar Rapids, however, you see the most widespread damage as once tall-standing corn now bends at 45-degree angles or is completely flattened.“We had a good crop coming. We really did,” said Becker. “I mean, the biggest worry of everybody out there is how we get through this stuff. What are we going to do?”Shortly after the storm passed through, President Donald Trump surveyed the damage. Iowa’s Farm Bureau estimates around 6 million acres, or 40% of Iowa’s corn crops alone, were damaged. It has asked the governor to make a billion request for disaster assistance from the federal government.“This will have a dramatic emotional effect on a lot of producers, a lot of farmers,” said Craig Hill, president of Iowa’s Farm Bureau.Many farmers work on credit. They can spend millions of dollars on equipment such as grain bins, combines, and tractors, to name only a few. They then can spend hundreds of thousands of dollars on supplies for that year’s harvest, all relying on the money they earn to help pay off the debt and set themselves up for success the following year.Some corn is salvageable, but it will not weigh the same or produce the same quality, meaning farmers might make back a quarter of what they expected.Iowa accounts for around 20% of the nation’s corn supply. Considering its importance to livestock, meat and ethanol, the market effects could be far-reaching.“It’s going to be very difficult for us to get the work done on a timely basis and then the frustration of everything being slowed,” said Hill of the impending harvest set to begin at the end of September.“It’s just the way it is. Nothing you can do,” added Becker. 2508

AMHERST, N.Y. — 8-year-old Caleb Kabala of Amherst said he has a passion for helping other people.“I just like helping other kids and it makes me feel good,” he said.And while Caleb is just a kid himself, he’s proving you are never too young to give back.“I just wanted to help children cause that’s what I usually do.”For the last two weeks, Caleb and his grandma have been selling framed pictures of Santa at pop-up events throughout Western New York. And the Santa seen in each picture frame is the colorful creation of Caleb himself.“The outpouring that he has gotten it's just been... it hasn't stopped," Caleb's grandma said. Money from every picture sold goes straight to charity.“This week we’re gonna donate to the little heroes," Caleb said. "And every other week we’re gonna pick a different charity to donate to.”Caleb plans on selling these picture frames year-round and with different themes. And his reasoning for it was simple.“So I can help out more and more kids,” he said.Right now, Caleb’s picture frames can be purchased on his website for . This story was first reported by Jeddy Johnson at WKBW in Buffalo, New York. 1150

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