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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

— and it came 14 days early. Ian and Hailey Roell's father, Paul, is a member of the Army National Guard. He's been deployed since the middle of last school year and they weren't expecting him to be home until sometime in January. But their mother, Stephanie, found out just a few days earlier that Paul would be home for Christmas, so she decided to come up with a way to surprise her kids. "They didn't give the soldiers their flight info until 20 minutes before they had them leave the barracks," she said. Stephanie contacted Ian's school and set up a plan to surprise her son. She said the school was on board as soon as she brought them the idea and they came up with a way to make it happen, without giving Ian any idea of what was going on. Around noon, teachers brought their students to the gym to "play some games." They let the kids play a couple of games, before getting to the important one. During Ian's game, the teachers blindfolded three kids and asked them to feel the hands and face of "someone behind them" and guess who they were... as you can imagine, Ian's "secret person" was the best of the bunch. 1125

YUMA, Arizona (KGTV) - Among those making the trek to to Yuma Tuesday for a presidential visit is a local man with a unique message of support."When I found out he was coming on Monday, I got the day off," said Blake Marnell.Early Tuesday morning, Marnell woke up and made the drive from San Diego to Arizona. Despite sizzling temperatures, there was no debating his wardrobe choice."I've purchased my brick suit last year to show support for border security and strong borders," said Marnell.In Yuma, just outside the Border Patrol station, Marnell stood and waited. This is Marnell's 11th time seeing President Trump in the past year or so. He just got back from the rally in Tulsa. During a rally in Pennsylvania last year, President Trump beckoned him and his border wall suit up to the stage.On Tuesday in Yuma, there would be no in person meeting, only a fleeting glance at a motorcade during a visit to mark the 200th mile of border wall construction."I think it's important to visibly support the president. All I want to do is hold up my sign as he's arriving from the airport, and to thank him for all the work he's done to keep our country safe," said Marnell.Marnell's journey to Donald Trump superfan status has been an unusual one. A disaffected voter, Marnell didn't vote in the November election in 2016, and didn't support Trump."Honestly I didn't think he was going to be effective," said Marnell.He says that opinion quickly changed with President Trump's actions on issues like business tax rates and border security. On this day, his whirlwind political journey brought him to Yuma on a hot June day."We were clearly able to see the silhouette of the president in one of the limos ... He saw the supporters out here for him today, and we saw him," said Marnell. 1790

is a disease that can be fatal to dogs and spread to humans — and it's on the rise in the western United States.Leti Paoli's dog, Copper, battled health issues for several years. In the last year and a half, Copper was back to being the energetic dog Paoli remembered — until two weeks ago. Paoli's husband was in the backyard playing with Copper when he noticed Copper was walking with a stiff gait. He thought Copper had re-injured his back.After taking him to the veterinarian, they found out Copper was suffering from one of the early signs of leptospirosis."One of the first symptoms of leptospirosis is that they're drinking a ton of water, and then they go out and urinate, and sometimes they have urinary accidents because they're drinking so much water," said Dr. Laura Russell, chief emergency doctor at Colorado Veterinary Specialist & Animal ER in Littleton.Russell helped care for Copper. She says her office usually sees one to two cases of leptospirosis per year. This year, they've seen six.Russell's office isn't alone. 1043

announced it was suspending operations and delaying the start of its season amid the coronavirus pandemic, Little League baseball announced it was following suit.Little League, the organization that oversees more than 6,500 baseball and softball programs around the world 274

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