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You’ve decorated the tree, put up the lights and placed a lit candle in every window. But the next thing you know, you smell smoke.Candle fires, stolen presents and other calamities can put an unwelcome damper on your seasonal cheer, but insurance can often help clean up the mess. Here are some common holiday disasters and how your homeowners insurance can come to the rescue.1. Decorations catch fire“Chestnuts roasting on an open fire” takes on a whole new meaning when the halls are decked with fire hazards. Dehydrated Christmas trees can go up in flames if placed too close to a heat source, and fires from candles make up half of December home decoration fires, according to the U.S. Fire Administration.Fire is covered in three main ways. Dwelling coverage pays for repairs to your home, while other structures coverage is for things like a detached garage or fence. Personal property coverage will pay to replace damaged belongings, up to your policy limits.To avoid festive fires, keep candles away from flammable objects, follow all manufacturer instructions for holiday lights outside and keep a real Christmas tree hydrated.2. Your identity gets stolenIf you’ve shopped online for holiday gifts this year, your credit card or bank account information may be at risk of getting stolen.Identity theft coverage can pay for out-of-pocket expenses related to identity theft or fraud. Some homeowners insurance policies automatically include this coverage for free, but you’ll probably have to add it to your policy.You can reduce the risk of identity theft from online shopping by avoiding unsecured networks and by purchasing from trusted stores — check for a privacy policy on the site and a padlock to the left of the URL. To protect yourself from potential data breaches, reenter account information with every purchase instead of allowing online vendors to store your information.3. Presents get stolenIf expensive holiday gifts go missing, don’t pout. Your personal property coverage covers items stolen from your home and car, up to your policy limits.To prevent any grinches from stealing holiday presents, avoid letting packages sit unattended and consider setting up a security camera system around your home. If you leave gifts in the car, tuck them away safely in the trunk, lock the doors and park in a well-lit location.If gifts are stolen, file a claim with your insurance company only if their value exceeds your deductible.4. A guest gets injuredSay you undercook the turkey and send relatives to the hospital. Maybe someone breaks a hip on your icy walkway, or the dog bites a guest. You could end up on the hook for their medical costs.The medical expense coverage in your home insurance policy pays to treat your sick or injured guests, no matter who’s legally responsible, while your personal liability coverage will cover you in case they decide to sue.Because of the pandemic, you may be skipping holiday gatherings entirely this year. But if you do host guests, make sure you abide by the guidelines for small gatherings from the Centers for Disease Control and Prevention, or CDC, which include wearing face masks and practicing social distancing.5. A water pipe burstsIf a pipe gets cold enough, water freezes and expands inside, increasing the chance of a burst. Water damage from burst pipes is generally covered by home insurance, but check the fine print in your policy, as you’re covered only if the burst is accidental and not due to poor maintenance.To avoid damage, watch for warning signs of frozen pipes, such as low water pressure or frost on the outside of the pipe. To offset the chance of a water burst:Keep your home’s thermostat set to a minimum of 55 degrees.Open kitchen- and bathroom-sink cabinets to allow for circulation of warmer air.Let water drip from faucets to relieve water pressure.More From NerdWalletGot Life Insurance? You May Not Have EnoughBought a Pricey Present? Here’s How to Insure ItLife Insurance Shoppers Lose Interest When COVID-19 Cases DropBen Moore writes for NerdWallet. Email: bmoore@nerdwallet.com. 4088

YOSEMITE NATIONAL PARK, Calif. (AP) — A hiker in Yosemite National Park fell to her death while climbing to the top of the iconic granite cliffs of Half Dome, where cables are installed each summer.Park spokesman Scott Gediman says 29-year-old Danielle Burnett, of Lake Havasu City, Arizona, was scaling the steepest part of the trail Thursday when she fell more than 500 feet (150 meters) down the rocky terrain.Gediman says Burnett was dead when Park Rangers arrived on the scene.Rangers install the cables to assist the climbs of thousands of hikers who make the popular 14-mile (22-kilometer) round trip to the top of the 8,800-foot (2,670-meter) rock face.Gediman says the incident remains under investigation. 723

You're never ready for the kind of news we are grappling with this morning. But we have no choice but to seek and find God's strength and comfort to deal... #HermanCain https://t.co/BtOgoLVqKz— Herman Cain (@THEHermanCain) July 30, 2020 244

defended the sign. One woman wrote: “I doubt she meant the threats, but geeze (sic) dog owners clean up after your dog.” Neighbors said they are worried about their animals or worse, that a child will get hurt. “I think that there has got to be a civil solution, some sort of happy medium where she can put up a small wire fence or maybe a more polite sign," said Zynger. 373

and returning the container to the freezer. D'Adrien Anderson also was sentenced Wednesday to an additional six-month jail term probated for two years and ordered to pay a ,000 fine and ,565 in restitution to Blue Bell Creameries, which replaced all of its products in the freezer at a Walmart in Port Arthur, Texas. Video of Anderson licking the ice cream out of the container went viral on social media last August. According to USA Today, surveillance video shows Anderson later purchased the container he licked.The Associated Press reports that Anderson faced a maximum penalty of a year in jail and a ,000 fine.Anderson wasn't the only person who went viral for licking a container of ice cream in Texas last summer. In July, video of a 751