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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

it still is.The familiar red envelopes have been arriving in customers' mailboxes since 1998 and helped earn the company a healthy 2 million profit last year.Why are so many people still using this old-school service in the age of streaming? There are a number of reasons.Rural America struggles with broadband accessStreaming Netflix video requires a lot of bandwidth -- so much so that Netflix consumes 15% of all US internet bandwidth, 444

if he were elected president.When asked about his plan for a mandatory gun-buyback program for assault rifles during Thursday's presidential debate, O'Rourke responded by saying "hell, yes, we're going to take your AR-15." O'Rourke tweeted the phrase following the debate.Texas State Rep. Briscoe Cain (R-Deer Park), responded to O'Rourke's tweet by saying "My AR is ready for you Robert Francis." Cain later deleted the tweet.O'Rourke responded to Cain's tweet by calling it a "death threat." 496

-- and tropical storm warnings already have been issued for parts of coastal Louisiana, Alabama and Florida.Regardless of whether a cyclone forms, dangerous storm surge, strong winds and heavy rain are expected to hit the warning areas Friday evening and Saturday, the hurricane center says.The system's core may slam into the Florida Panhandle on Saturday morning, forecasts show.In anticipation of strong winds, New Orleans officials Friday 443

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

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