鹤壁不好去医院做什么检查松原疼检查,鹤岗家屯比较好的全身体检医院,阿坝个医院中年人体检好,海西人健康体检要查哪些,晋中疲劳怎么回事,长治老年人体检价格,河池医院做全身检查要怎么做

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 envelope containing ricin was recently sent to the White House, which has prompted an official investigation, sources told the New York Times and CNN.According to New York Times sources, the exact location of the origins of the letter is unknown, but believe to have been sent from Canada. Mail sent to the White House is screened off site before reaching the complex.According to the CDC, Ricin is a poison found naturally in castor beans.“If made into a partially purified material or refined into a terrorist or warfare agent, ricin could be used to expose people through the air, food, or water,” the CDC said, adding that there is no known antidote for ricin.The White House has been the target of ricin mailings in the past. In 2013, the FBI confirmed two letters were sent to the White House containing ricin. 827

As coronavirus cases spike around the country this fall, and cities impose new or stricter stay-at-home policies, Americans continue a trend this year of moving away from big cities and heading to affordable, smaller metro areas or suburbs.In the last few months, Santa Barbara, Louisville, Buffalo, Burlington, and El Paso were the top five cities with more people looking to move there compared to people looking to leave, according to data from Redfin, a home listing company.Redfin looked at data from the third quarter of 2020, and compared it to data from 2019 about how many people were looking into moving to or leaving certain metro areas.“Remote work has opened up a whole new world of possibilities when it comes to buying a home,” said Redfin chief economist Daryl Fairweather in a release from the company. “Many residents of expensive areas like New York or Los Angeles couldn’t manage to afford rent and save for a home at the same time. So it’s no wonder that these folks are looking to buy homes in much more affordable places like Louisville and Little Rock.”Previous reports have shown similar trends in 2020, as the number of vacancies continue to climb in places like Manhattan, home prices are increasing and supply is dwindling in suburbs and smaller cities.An August report from HireaHelper.com, a website that helps with movers, found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. Meanwhile, the state of Idaho saw an increase of 194 percent more people moving in compared to leaving.In the Redfin data, Santa Barbara seems like an expensive outlier in the list of affordable cities. The other cities on the top ten list all have median home prices below the national average of 4,000.“Santa Barbara has become even more popular since the beginning of the pandemic as remote workers leave dense cities for picturesque places with more open spaces and beaches. Another advantage is that it’s not too far from Los Angeles, so remote workers have the option of commuting one or two days a week when offices open,” said California Redfin agent John Burdick in a statement.Overall, Redfin says 29 percent of people looking for homes on their sites in the third quarter of 2020 were looking to move to a different city. 2370

As Christmas approaches, Target is extending its store hours for holiday shoppers.On its website in its FAQ section, Target said most of its stores would open at 7 a.m. and close at 11 p.m. leading up to the holiday.But on Christmas Eve, stores will close at 8 p.m. Target is closed on Christmas Day.The retail store says hours can vary, so check the store locator before you head out.The company also announced that special hours for seniors and at-risk shoppers have also changed.According to Target, stores will open an hour early, but only on Tuesdays. Target added that if there are no "vulnerable guests" waiting to shop, the store could open to everyone, but that's being left up to the store leaders. 716

An email sent by a student to the principal and all of the freshmen at Oconomowoc High School prompted a police investigation into possible safety concerns.The email accused a different student of being a threat and mentioned the fictional character Slender Man.Police immediately investigated some of the claims in that email and the district says it determined there is no threat to student safety.The email sent on Wednesday includes many personal details about the student and says the person "...believes she has multiple personalities...is the daughter of slenderman."Slender Man became well-known in 2014, when two girls from Waukesha, Wisconsin — located about a half hour from Oconomowoc — said they stabbed their classmate 19 times to please the character.They both were recently committed to mental health facilities.In addition to mentioning Slender Man, the Oconomowoc student also claimed that this other student "wanted me to join her and two other girls in a cult-like group called the 'Trinity Sisters.'""I didn't find them to be true," said Alexis Zimmerman, a junior at the school.She says she and many other students weren't concerned about what the email said but were more upset that it even went out."I don't think anyone found it as a threat," she said. "It was just, it wasn't something right to say about someone else."Alexis' mother Nicole Gronitz says the school notified parents about the email, but she too wasn't concerned."It really didn't make me think twice about it," she said. "A lot of the stuff has just been kind of fake lately."District officials would not comment on any disciplinary issues. The full statement from the district is below: 1707