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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 Uber driver says she was carjacked at gunpoint in North Las Vegas and ended in Kingman, Arizona. But she wasn't alone.Donnelda Schuele says an innocent passenger was also caught in the middle of the ordeal that crossed state lines."At one point I was thinking, my poor passenger is really gonna die," Schuele said.Schuele's Saturday Uber pool ride almost turned deadly. She said she picked up a passenger through Uber pool -- a service where drivers can pick-up more than one unrelated customer. She then got another 'ping' to pick up a new customer near 5th Street and Lake Mead Boulevard. A man and a woman got into the backseat at that stop. Not long after she started driving, Schuele says the man pulled out a gun."He goes, 'Go straight. I don't care who you hit. Go straight,'" Schuele said.Hopping on the freeway, they started to make their way down to Arizona."Before the Lake Mead exit, he shoots the gun in the car. He shot it through the floor of the car," Schuele said.She says the man also pistol-whipped the other male passenger sitting in the front seat of the car. "He had hit him on the head with the gun and cracked him really good at the back of his skull,"  Schuele said.The man with the gun kept on telling her to drive towards the mountains."He goes, that's where I'm going to be dumping you guys," Schuele said.She says the man shot the gun out the window several times, hitting a commercial truck."The other passenger is flipping out. I mean he is literally flipping out," Schuele said.As they were passing by Hoover Dam, Schuele says the suspect ordered her and the other passenger to get out of the car. That's when they were able to get help.Arizona troopers said the carjackers continued driving south on State Route 93, leading them on a pursuit. Even though they ran over strip spikes, the alleged carjackers did not stop until they crashed into another vehicle. The man and woman tried to run away but troopers were able to catch them at that point. It was the end of a nightmare for Schuele and her passenger."Thank god for my blessings and that I was able to keep a cool head," Schuele said.An Uber spokesperson says it is investigating the incident and will support police investigation in any way it can. 2355

An Australian senator who sparked outrage for blaming the New Zealand mosque shootings on Muslim immigration has been hit on the head with a raw egg by a teenager. The senator subsequently appears to punch the 17-year-old. https://t.co/dHbpzel71w pic.twitter.com/4YeeVlNqa6— Evan Rosenfeld (@Evan_Rosenfeld) March 16, 2019 336

April is bringing a new slate of Netflix features to the streaming platform.Netflix is rebooting the classic 1960s space sitcom "Lost in Space," thrusting the Robinson family into deep space and stranded light years away from their destination.Former late-night TV host David Letterman also returns (to Netflix) with the next episode of "My Next Guest Needs No Introduction With David Letterman," with guest Jay-Z.RELATED: More 10News entertainment headlinesFor documentary fans, Netflix original "Mercury 13" profiles the 13 women who would have gone to space as some of NASA's first astronauts had the space agency not chosen only men until 1963.Hit movies "Bad Boys," "Cabin Fever," and "Despicable Me 3" are also heading to the platform.Fans of "Cool Runnings," "The Shawshank Redemption," and "Kung Fu Panda" are out of luck though. Those titles are on their way out.Here's what's new and leaving Netflix in April:April 1 939

An epic day on the water... lots of sharks, got some good data, excellent crew. #sharkspies #trackingnotslacking #treasurethesedays pic.twitter.com/4nFhiCV7F2— Chris Lowe (@CSULBsharklab) October 15, 2020 218

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