Your home is one of the biggest investments youll ever make, so its smart to ensure you can repair or rebuild it after a disaster. But do you really know whats covered under your home insurance policy? While most basic homeowner's policies provide coverage for the dwelling, contents, and other structures on your property, they dont routinely cover every type of loss. Many homeowners are not aware that they dont have some types of coverage until after a disaster, says Andrew N. Mais, commissioner of the Connecticut Insurance Department and president of the National Association of Insurance Commissioners. For example, homeowners policies do not cover flood damage, which many people are not aware of until its too late.In fact, many types of losses that you probably assume are covered are not unless youve specifically added coverage and paid an additional premium. Many types of coverage require a rider or endorsement added to your basic homeowners policy, says Mais. Every policy is different, but these riders also may have a separate deductible and limits that apply. Costs for adding coverage vary depending on the type, but they range from a flat fee to a percentage of an item's value. For example, a sewage backup endorsement may run $30 to $160 per year, while jewelry insurance typically costs one to two percent of the value of the jewelry. Heres what to do to ensure you have the appropriate coverage to protect your home, family, and valuable assets.Related StoriesRead Your PolicyWhile it's not exactly thrilling to read, its essential to know your specific coverage and limits. Reading an insurance policy is boring but necessary, says Mais. Its much better to do it now than when its too late. Ask questions so you understand exactly what is covered or not. Do an Annual Review Just like your annual physical, its a good idea to review your insurance regularly. With the increasing costs of homes, you should be checking your coverage every year, says Mais. Its not only about what is covered, but do you have enough coverage? In fact, according to United Policyholders, a nonprofit consumer insurance resource, more than half of homeowners are underinsured, meaning they dont have adequate coverage to replace or rebuild their homes after a loss. Your agent can help you navigate your coverage choices.Keep Thorough RecordsImages By Tang Ming Tung//Getty ImagesIf you experience a total loss during a fire or natural disaster, chances are you wont remember every single thing you own. Make a home inventory, going through each room and writing down items, or use a free app to keep track, says Mais. Take photos and videos, too, and keep receipts for big-ticket items. Store the inventory online or in a safe deposit box. This record-keeping will make filing a claim, if need be, more efficient. Related StoryUnderstand the Different Types of Riders and Endorsements The following types of coverage typically are not included as part of a basic homeowners policy and require separate riders or policies, says Mais.Full Replacement CoverageYou can insure your home and its contents at full replacement cost or actual cash value. Full replacement coverage is more expensive but does what it implies: It covers the cost to rebuild your home or repair damages completely. Actual cost value takes into account depreciation and thus only pays based on the age and wear and tear of your homemeaning it generally wont pay enough to fully repair damage or replace your home. Flood CoverageHomeowners policies do not cover flood damage; depending on where you live, you may qualify for flood insurance through the National Flood Insurance Program. If your home is in a flood plain, your mortgage lender may require you to buy flood insurance. But even if your bank doesnt require it, you may wish to explore your options, says Mais. Earthquake CoverageDamage caused by earthquakes is not covered under a basic policy. Many insurance companies sell it as a separate policy or endorsement for your policy. Windstorm and Hail CoveragePolicies in coastal areas often exclude this coverage, so youll need to buy a separate policy.Related StorySump Pump Overflow or Sewer Backup CoverageMany homeowners dont realize if a sump pump overflows or sewage backs up, its not covered. Its a low-frequency event, but damages can be high, says Mais. Jewelry CoverageA scheduled personal property endorsement (or personal articles floater) covers jewelry, such as an engagement ring, and other items, such as fine art, which have a value greater than the normal limits in your homeowner's policy. With this coverage, scheduled items generally also are covered if lost or stolen, says Mais.Electronics CoverageElectronics, such as your computer and TV, may not fall under your homeowners policy. A separate rider may allow you to increase policy limits if you have a lot of electronics. Additional Coverages for High-Value ItemsIf you have other items of high value, such as collectibles, antiques, or musical instruments, read your policy or talk to your agent about whether or not it is covered and how to add coverage. Everyones situation is different and not all policies are the same. But its worth understanding your risk and coverages in order to protect your home and family, says Mais. Follow House Beautiful on Instagram and TikTok.

Benjamin and Chance kick off the new year with a catch-up on Apple missing its deadline for next-gen CarPlay to be released in an actual vehicle, and assess the response to picking the Vision Pro as 9to5Macs Product of the Year. Theres also rumors of an Apple-branded smart doorbell to discuss, and TV+ tries a new marketing gimmick with a free weekend promotion.And in Happy Hour Plus, the duo make some fun predictions about Apple-related news headlines that could happen sometime this year.Sponsored by HelloFresh: Americas #1 meal kit! Get up to 10 FREE meals and a free high protein item for life at HelloFresh.com/happyhour10fm. HostsChance Miller Benjamin MayoSubscribe, Rate, and Review9to5Mac Happy Hour PlusSubscribe to 9to5Mac Happy Hour Plus! Support Benjamin and Chance directly with Happy Hour Plus! 9to5Mac Happy Hour Plus includes:Ad-free versions of every episodePre- and post-show contentBonus episodesJoin for $5 per month or $50 a year at9to5mac.com/join.Feedback Submit #Ask9to5Mac questions on Twitter, Mastodon, or ThreadsEmail us feedback and questions to happyhour@9to5mac.com LinksAdd 9to5Mac to your Google News feed. FTC: We use income earning auto affiliate links. More.Youre reading 9to5Mac experts who break news about Apple and its surrounding ecosystem, day after day. Be sure to check out our homepage for all the latest news, and follow 9to5Mac on Twitter, Facebook, and LinkedIn to stay in the loop. Dont know where to start? Check out our exclusive stories, reviews, how-tos, and subscribe to our YouTube channel

Apples AirTag has come with its fair share of safety concerns, most of which have to do with problems like stalking. But now, the companys adding new warning labels after being hit with a violation related to its battery.New AirTag warning labels aim to protect childrenThe US Consumer Product Safety Commission (CPSC) issued a press release today where it outlines Apples AirTag violation, and the fix that Apple has reportedly already implemented (via macReports).The CPSC notified Apple that AirTag was in violation of warning label requirements related to Reeses Law.Essentially the law requires products with button cell or coin batteries to include warning labels to protect children from life threatening ingestion.Here are the details:Apples AirTag, a popular tracking device, met the performance requirements for securing the AirTags lithium coin cell battery; however, the units imported after the March 19, 2024, effective date of Reeses Law did not have the required on-product and on-box warnings concerning the severe risk of injury from battery ingestion if these small batteries are not kept out of reach of children.Apple has now included a warning symbol inside the battery compartment and changed its box to include required warning statements and symbols. Because a number of violative units have been sold to consumers, and to assist consumers in the future, Apple has updated the instructions that appear in the Find My app each time a user is prompted to change the AirTag battery to now include a warning about the hazards of button and coin cell batteries.It is unclear exactly when the changes were made to AirTag hardware, but presumably there are AirTags available for purchase now that include the new warning labels on the box and inside the unit.Adding warnings inside the Find My app is a nice fix for everyone who has older AirTag devices, too. Perhaps they arrived alongside AirTags new iOS 18.2 feature.Have you seen the new warning labels on your AirTag, or in the Find My app? Let us know in the comments.Best AirTag deals and accessoriesAdd 9to5Mac to your Google News feed. FTC: We use income earning auto affiliate links. More.Youre reading 9to5Mac experts who break news about Apple and its surrounding ecosystem, day after day. Be sure to check out our homepage for all the latest news, and follow 9to5Mac on Twitter, Facebook, and LinkedIn to stay in the loop. Dont know where to start? Check out our exclusive stories, reviews, how-tos, and subscribe to our YouTube channel

A new year is here and we have afresh batch of deals to scope out too. Alongside ongoing price drops across the Apple Watch Series 10 lineup, we are also now tracking up to as well as even lower pricing on Amazon premium renewed iPhone 15 Pro units at up to $470 off the original price tag. Those offers join the OG Apple Watch Ultra at $380 under the original new price and the return of all-time low pricing on the wonderful Twelve South PlugBug USB-C Wall Charger with Find My. Everything awaits down below. more

The machines are fighting.Friendly FireA video shared on social media appears to depict the prelude to an inter-robot-species conflict. The belligerents? A Waymo robotaxi and a Serve Robotics delivery robot, according to TechCrunch.The footage, taken in Los Angeles from a dashcam, shows the Serve robot puttering along a crosswalk at night before stopping in front of a curb on the opposite side of the street, taking a moment to adjust itself so it can roll up the small ramp to get onto the sidewalk.Then a Waymo cab comes careening around the corner, T-boning the delivery bot right as it was making its final push. The fates, it seems, were feeling cruel that day.Curb StompOr were they? As it turns out, the impact wasn't too severe. The Waymo cab, to its credit, hit the brakes immediately and avoided knocking the poor little thing over. And moments later, while the robotaxi is still in a daze, the Serve robot drives away like nothing happened.Maybe it was fleeing guiltily. According to the person who shot the video, the Serve robot had run a red light moments before getting hit by the robotaxi.Still, you'd expect the Waymo cab to be on the lookout for such cases. Pedestrians will often cross the street regardless of what the light indicates, as any urban drivers know.The problem, apparently, was that the Serve robot wasn't a pedestrian. Waymo told TechCrunch that its driver system had seen the delivery bot and correctly identified it as an inanimate object and such is the disdain the autonomous vehicle harbors towards its Fellow Robot so it didn't exercise the level of caution it would around human beings as it's programmed to do.When the delivery bot unexpectedly stopped before the curb as the Waymo cab was rounding the intersection, it was too late to avoid a collision entirely. But Waymo says the driver system was able to apply hard braking before impact, so it only hit the Serve robot at four miles per hour.Crisis AvertedSince both parties came out relatively unscathed, there probably won't be a lot of complications from the incident. But it could have easily resulted in a much thornier situation, and is a preview of difficult questions surrounding the liability for machine employees as more robots, fully autonomous or otherwise, hit the streets.What if serious damage had occurred? Which robot, and which company, would be to blame? And if humans were in the loop, what share of the blame would they hold?In this case, Serve told TechCrunch that the robot was under remote human supervision at the time. The Waymo was driving autonomously with no passengers on board, but it's unclear if remote teleoperators were alerted to the accident or took over following the collision.More on robotaxis: Hilarious Video Shows Waymo Self-Driving Taxi Stuck in RoundaboutShare This Article

Fight it as we might, the calendar has turned over once again. It is 2025.Crap.But hey! Look on the bright side. Its notallbad. (Oh sure, itsmostly bad, its just notallbad.) And one of the fewbest things left out there: The movies.In 2025, we can expect the returns of beloved directors and popular franchises. Were getting new animated movies, new sequels, new reboots, new remakes, several major new cinematic universes, and even the occasional original idea from a major filmmaker. (GASP can you believe it? I thought Hollywood had totally forgotten they could do that!)Seriously, though: 2025 is going to be a big year for cinema. Some of your favorite artists and actors will make much-anticipated comebacks; others are partnering together for the very first time. And yes, both Marvel and DC are releasing their biggest new tentpoles in years. (What phase of the MCU are we up to at this point? 14?)Plus,for you hardcore Payakan stans (you know who you are), theres even a newAvatarfor youjust in time for Christmas. And this one has fireandash. (Yes yes, both fire and ash, and in this economy, etc. etc.)Hereis ScreenCrushs list of 20 must-see titles in 2025, starting with stuff thats coming up in just a matter of weeks and going all the way through the big holiday releases that wont hit theaters or streaming forroughly 12 more months. The rest of the year might suck. But these films look so terrificthey give us a reason to look forward to the future anyway.The Most Anticipated Movies of 202520 movies we cant wait to see in 25.READ MORE: The 20 Best Movies of 2024Get our free mobile appThe Best Netflix Movies of 2024These are the Netflix movies worth putting on your end-of-the-year watchlist.Gallery Credit: Emma Stefansky

Shark pet cordless stick vacuum with XL dust cup: $179 Save $81 $179 at Amazon LG CordZero all-in-one: $450 Save $150 $450 at Best Buy Dyson V15 Detect: $61 Save $140 $610 at Walmart iRobot Roomba J7 Plus: $399 Save $400 $399 at Best Buy iRobot Roomba Combo Essential: $160 Save $115 $160 at Best Buy Dreame L10s Pro Ultra Heat: $650 Save $350 $650 at Amazon Bissell Little Green portable carpet cleaner: $88 Save $36 $88 at Walmart Hoover Wind Tunnel Rewind bagless upright vacuum cleaner: $130 Save $10 $130 at Amazon If you're tired of having to do multiple passes to get all the dirt, dust and hair out of your carpets, it's probably time for a new vacuum. You won't have to break the bank to snag a major upgrade right now. Retailers like Walmart, Best Buy and Amazon are offering plenty of enticing discounts on some of our favorite robot and cordless vacuums of the year, along with a few traditional corded models and even an all-in-one vacuum/mop combo for truly spotless floors. We've rounded up some of the best deals to shop right now below so you can grab a great model at an even better price. Hey, did you know?CNET Deals texts are free, easy and save you money. We'll continue to update this page as offers come and go. So if you don't see the perfect model for you, be sure to check back soon, as new deals pop up frequently. Read more:Best Robot Vacuums for 2025Best cordless and stick vacuum deals Shark/CNET This Shark cordless stick vacuum is lightweight and made with pets in mind. It can stand on its own and has a dustbin that's easy to empty. Plus, it's quieter than average, so you and your pet will find vacuuming more bearable. $179 at Amazon LG/CNET Get this cordless LG all-in-one vac for $150 off at Best Buy. It sports an automatic emptying system, built-in mop, seamless dual-battery charging, telescopic wand, five-step filtration system and a smart inverter motor that creates powerful suction. $450 at Best Buy Dyson/CNET If you need serious cleaning power, the Dyson V15 Detect earned a spot on our list of the best cordless vacuums of 2025 thanks to its excellent suction performance. It boasts 240 watts of power and a maximum runtime of 60 minutes while still weighing in at less than seven pounds. $610 at Walmart Best robot vacuum deals iRobot/CNET One of our top contenders for the overall best robot vacuum of 2025 is the iRobot Roomba J7 Plus. We prefer the Combo model with mopping capabilities, but this deal on the basic configuration is too good to pass up. It features a powerful three-stage cleaning system with side brushes to clean out edges and corners, and it allows you to create a custom room-by-room schedule for convenient cleaning. It's also a top pick for pet owners thanks to its advanced pet waste detection and avoidance capabilities. $399 at Best Buy iRobot/CNET This Roomba robot vacuum falls on the more budget-friendly end of the spectrum, and it boasts a pretty impressive array of features for less than $200. It's a hybrid model that can vacuum and mop. It has three different levels of suction power, and you can set it to clean on a custom schedule. The biggest downside is that it doesn't have a self-emptying base station like some other models do, so you'll have to remember to empty the dustbin fairly frequently. $160 at Best Buy Dreame/CNET Dreametech isn't the most well-known brand in the vacuum world. If you take a peek at thebest robot vacuums we've tested, you'll find one of its models on the list. This L10 model is a two-in-one vacuum and mop combo that's designed to work on just about all floor types -- from carpet to wood to tile. Just be sure to claim the on-page coupon to get the discount. $650 at Amazon More vacuum cleaner deals Bissell/CNET This compact carpet cleaner can wheel around the house and stamp out stains. The Little Green weighs less than 10 pounds and has spray, scrub and suction modes to rescue your carpets from the daily onslaught. $88 at Walmart Hoover/CNET With five levels of height adjustment, a 25-foot cord that rewinds back into the base and included tools to reach crevices and heights, this bagless upright Hoover is a great option for those who want to cover more surface area than some of the stick vacuums. $130 at Amazon

AI may have cracked the code to a long-standing question about a famous Raphael painting that has puzzled the art world for years.Part of Raphael's "Madonna della Rosa" painting may not have been painted by the Italian Renaissance master, according to findings published in Science Heritage Journal in December 2023, which are now resurfacing and circulating online.Raffaello Sanzio da Urbino is widely considered one of the most renowned artists of the Renaissance period for his paintings and frescoes, including the "School of Athens" in the Vatican.But the "Madonna della Rosa," which is on display at the Museo Nacional del Prado in Madrid, has long sparked speculation about its attribution, with the image of St. John appearing inconsistent with Raphael's style and less refined compared to other elements of the painting. The painting shows Madonna and Baby Jesus alongside St. Joseph and St. John.Computer scientists at the Universities of Nottingham, Bradford and Stanford developed a specific AI algorithm to compare parts of the painting to other Raphael pieces.The team used pictures of verified Raphael paintings to "train the computer to recognize his style to a very detailed degree, from the brushstrokes, the color palette and the shading and every aspect of the work," according to Hassan Ugail, a computer scientist from the University of Bradford."When we tested the della Rosa as a whole, the results were not conclusive," Ugail said in a statement. "So, then we tested the individual parts and while the rest of the picture was confirmed as Raphael, Joseph's face came up as most likely not Raphael."In a press release, the computer scientists said it is believed one of Raphael's pupils, Giulio Romano, likely painted St. John's face. Although the findings aren't 100% confirmed, Ugail noted the computer model examines artwork on a microscopic level with a 98% accuracy rate.Christopher Brooke, honorary research fellow at the University of Nottingham who was also involved in the project, said in the press release the analysis "promises to be a useful, additional tool in future investigations of this nature, alongside well-established methods such as spectroscopy."

CLOSE X By James Bickerton US News ReporterSearches for "VPN" (virtual private proxy) surged in Florida on January 1 after a number of leading pornographic websites blocked access to the Sunshine State in response to a new law requiring age verification.Newsweek contacted Florida Governor Ron DeSantis for comment via email on Thursday outside of regular office hours.Why It MattersFlorida is just the latest in a series of states to implement a law requiring proof that users are 18 years old to access pornographic websites. Similar laws also took effect on Wednesday in Tennessee and South Carolina, meaning they now apply to 17 mostly southern states overall according to 404media.Under the terms of the legislation, House Bill 3, websites hosting pornographic content can be fined up to $50,000 for each violation, along with attorney fees and the potential for civil liability, if they fail to enforce the age verification requirement.Supporters argue the wave of legislation is needed to safeguard children, whilst critics have raised concerns around data security and the First Amendment. In response, a number of leading pornographic websites, including industry giant Pornhub, have blocked access to their content from the impacted states.What To KnowGoogle trends data published on January 2 showed a sharp rise in "vpn" searches beginning on December 31 2024 and continuing into the new year. VPNs allow computer users to disguise their locations and thus get around location-specific website blocks.While it doesn't give individual search figures, Google gave the value of 100 to vpn inquiries on January 2, compared to the level of 91 on January 1, 55 on December 31 and 37 on December 30.Searches for individual VPN providers as well as "Internet pornography" and "computer virus" were also categorized as "breakout" for Florida over the period by Google.Signs are displayed at the Pornhub booth at the 2024 AVN Adult Entertainment Expo at Resorts World Las Vegas on January 25, 2024 in Las Vegas, Nevada. Searches for VPN's in Florida have surged after...Signs are displayed at the Pornhub booth at the 2024 AVN Adult Entertainment Expo at Resorts World Las Vegas on January 25, 2024 in Las Vegas, Nevada. Searches for VPN's in Florida have surged after a new law requiring ID to access pornographic websites led to several, including Pornhub, blocking access to the state. Ethan Miller/GETTY Those attempting to access Pornhub from Florida are instead presented with a video by adult entertainment star Cherie DeVille, who says: "As you may know, your elected officials in Florida are requiring us to verify your age before allowing you access to our website."While safety and compliance are at the forefront of our mission, giving your ID card every time you want to visit an adult platform is not the most effective solution for protecting our users, and in fact, will put children and your privacy at risk."In a statement provided to Newsweek, Aylo, Pornhub's parent company, said: "Aylo has publicly supported age verification of users for years, but we believe that any law to this effect must preserve user safety and privacy, and must effectively protect children from accessing content intended for adults.""Unfortunately, the way many jurisdictions worldwide, including Florida, have chosen to implement age verification is ineffective, haphazard, and dangerous," Aylo continued. "Any regulations that require hundreds of thousands of adult sites to collect significant amounts of highly sensitive personal information is putting user safety in jeopardy."Moreover, as experience has demonstrated, unless properly enforced, users will simply access non-compliant sites or find other methods of evading these laws," the company added. What People Are SayingIn an article for the Palm Beach Post, writer Frank Cerabino suggested an alternative, commenting: "Instead of demanding documents from secrecy-prone viewers people who have their reputations to protect as kindergarten teachers, members of the clergy and elected officials you can simply ask visitors to the online site a bunch of screening questions that would accurately reveal their age in a less invasive way."What Happens NextGeorgia is due to become the 18th state to require age verification to access pornographic websites in July, with child safety campaigners hoping others follow suit. However pornography providers are continuing to argue these moves endangers viewers personal information and could lead some people to access more extreme content. fairness meterfairness meterNewsweek is committed to journalism that's factual and fair.Hold us accountable and submit your rating of this article on the meter. Newsweek is committed to journalism that's factual and fair.Hold us accountable and submit your rating of this article on the meter. Click On Meter To Rate This ArticleConfirm your selectionComment on your rating Share

Litter Leak?Forget the moon, an alleged GTA 6 leak might have revealed what the bins at Rockstar looked like about three years agoIf these pics are real, it's clear the developer has its its in-office waste disposal on lock, or at least it did post-Covid.Image credit: Rockstar News by Mark Warren Senior Staff Writer Published on Jan. 2, 2025 Yep, you've read the headline, this is serious stuff. Someone claims to have posted some images taken in a Rockstar office of GTA 6 playing on a monitor to Reddit, and it might have shown us what the developer's bins looked like back in 2021. That's assuming it's actually genuine, of course.The alleged leaked photo is the latest thing which have driven the hardcore Rockstar community into overdrive, after a lot of them spent the tail end of last month getting very animated about moons, playlists, and the number 27.To see this content please enable targeting cookies. As spotted by Eurogamer, the leak was first posted to the GTA 6 subreddit by a user with the handle JustLovett0. The post, titled "a photo from mid-2021. I think it's been long enough I can post this", has since been locked and removed, but subsquently uploaded in a bunch of other places."Someone I am close to took it when they worked at the Rockstar office for a few months," the poster claimed, adding that said mystery person is "super far from Rockstar now". So, what do these snaps they've seemigly risked a lot to show the world actually reveal about GTA 6, assuming they're real?Well, pretty much nothing about GTA 6, given all we've got is an alleged shot of it playing on a monitor that just shows Lucia standing about next to a wall, some blue shipping containers, and a few palm trees. Standing about in the vicinity of some things potentially confirmed as a GTA 6 feature, don't everyone cheer at once.Aside from that, unless you're interested in doing some detective work to try and work out if this is potentially a shot of the interior of Rockstar's San Diego office, as the layout of the building seems to suggest, or gawk at some dev kits, you're outta luck.Hang on a minute, how could we forget the most important detail! Look at that bin under the desk. You've never seen a cleaner or more evenly applied liner in your life, and there's no sign of a build-up of rubbish in the can. Even taking into account that it's potentially bin day in the photo - meaning the bin may just have been emptied - it's wonderfully smart. Black bin, white liner, properly formal. A bin you'd not mind allocating a seat at one of the main tables at your wedding.Are you envious that your bins potentially don't look as well-kept as this one here - regardless of whether it is or isn't a Rockstar one? Let us know below!