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Amid a venomous political atmosphere, the two leading candidates for governor in Utah are making it a point to be civil in the final weeks before the election.Republican Spencer Cox and Democrat Chris Peterson stood side by side in a pair of public service announcements intended to tone down the political rhetoric. Cox, the state’s current lieutenant governor, is largely considered the frontrunner to win the race.“We can debate issues without degrading each other’s character,” Peterson said in the 30-second ad. A longer 60-second announcement was also filmed.“We can disagree without hating each other,” Cox added.“Win or lose, in Utah, we work together,” Peterson added.The two candidates concluded the advertisement with, “We approve this message.” 764

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

As an organization dedicated to the fight to #EndExtinction, we must provide a voice for wildlife. Last year, we added our voice to many other conservationists expressing concerns about these proposed changes & we feel compelled to do so again in light of the current situation.— San Diego Zoo (@sandiegozoo) August 15, 2019 342

An emergency bill in California will continue the state's moratorium on evictions for nonpayment, but evictions could resume in February.The deal, reached Friday, will avoid what some had dubbed the eviction cliff that was set to begin Sept. 1. That was when the Judicial Council's order stopping courthouses from taking nonpayment eviction cases was going to expire. This bill, called the COVID-19 Tenant Relief Act of 2020, does two major things to protect tenants:1) It converts unpaid rent from March 1 to Aug. 31 to civil debt, meaning a tenant cannot be evicted for nonpayment. Instead, that person can ultimately be taken to small claims court. 2) It prevents eviction of tenants who pay at least 25 percent of their rent from Sept. 1. to Jan 31, 2021. If a tenant pays at least 25 percent, the rest would be converted to civil debt. Otherwise, a landlord can begin eviction proceedings Feb. 1, 2021. Gov. Newsom announced the deal Friday, saying he would sign the bill once it reaches his desk. The Southern California Rental Housing Association expressed major concerns about the legislation, saying it does not protect against financial ruin for landlords. In a statement, it said the bill doesn't provide rental income assistance, and does not guarantee landlords will ever get the money they are owed.The bill requires a two-thirds vote, and is expected to be taken up in both houses of the state legislature Monday. 1437

As hundreds of students from Marjory Stoneman Douglas High School prepare to board buses to lobby lawmakers to demand gun control, a measure was struck down on Tuesday by the Republican-held Florida House that would ban assault weapons. The motion was denied by a whopping 71-36 tally. Tuesday's vote came six days after a confessed gunman killed 17 lives at the Parkland, Florida high school. Many of the 3,000 students of the high school have since been vocal in their opposition to status quo gun laws, with the hope of increasing restrictions to posses firearms. The accused gunman, Nikolas Cruz, used an AR-15 type weapon during his massacre, which only lasted several minutes before he tried to blend in with students escaping the school. According to the Associated Press, the bill will likely no longer be considered during this session of the legislature.  898