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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. — Rock climber Emily Harrington has become the first woman, and fourth person, to free-climb the Golden Gate route on Yosemite National Park’s granite wall in a single day.The 34-year-old began to scale 3,000-foot El Capitan early Wednesday.The San Francisco Chronicle says Harrington reached the top in 21 hours, 13 minutes and 51 seconds, despite banging her head on the granite wall at one point.Free climbers don't use ropes to ascend, only to catch them if they fall.Harrington posted about her accomplishment on Instagram over the weekend.“I never believed I could actually free climb El Cap in a day when I first set the goal for myself,” she wrote in a caption. “It didn’t seem like a realistic objective for me. I didn’t have the skills, fitness, or risk profile to move so quickly over such a large piece of stone. But I chose it exactly for that reason. Impossible dreams challenge us to rise above who we are now to see if we can become better versions of ourselves.”As for her head injury, Harrington says she suffered a “nasty slip” that almost took her resolve. It left a deep gash on her forehead, but she soldiered through it and reached the end by about 10:30 p.m. View this post on Instagram A post shared by ????? ?????????? (@emilyaharrington) on Nov 7, 2020 at 8:06am PST 1352

You can vote from anywhere! The crew on board @Space_Station will be able to vote from Earth orbit much like I did in last year’s fall elections with @FVAP. pic.twitter.com/SdvJILKAom— Andrew Morgan (@AstroDrewMorgan) October 6, 2020 241

on Tuesday.A woman is in custody as the child's father said a driver abducted his daughter on Saturday evening in Penn Hills, Pennsylvania, according to police documents and a news release.Paul Johnson said he was riding in a car with Lyft and Uber stickers with his daughter and two friends, according to a criminal complaint filed by the Allegheny County police.The driver of the car was Sharena Nancy, a woman with whom Johnson was in the beginning of an "intermittent romantic relationship" with, Allegheny County Police Superintendent Coleman McDonough said at a press conference Tuesday.The couple became acquainted over social media in the past few months and spent several hours together with Johnson's daughter and another friend on Saturday, before an argument ensued while the woman was driving, McDonough said.While police did not elaborate on the details of the argument, McDonough said it was significant enough that Johnson and his other friend decided to exit the car.Johnson said that when he got out of the car and went to get his daughter out of the car seat, the driver drove away with the toddler, the complaint said.McDonough was joined at Tuesday's press conference by Taji Walsh, Nalani's grandmother, and FBI Special Agent in Charge Chad Yarbrough.Authorities and Nalani's family members were asking the public to contact them with tips."We miss Nalani. We want her home. If anyone has any info — it doesn't matter how big or how small — please call into the tip line," Walsh said.Johnson told detectives he tried calling the driver's cellphone multiple times, but she never picked up, so he called 911 around 5 p.m. ET.Police arrested driver Sharena Nancy, 25, in the vehicle during a traffic stop around 7:30 p.m. ET, but did not find the child inside, the complaint said.Nancy told detectives that Johnson sold the child to an individual for ,000 and asked her to complete the drop-off, according to the complaint.Nancy said he showed her a photo of a black woman she was supposed to meet and asked her to drive the toddler "20 minutes" from a gas station in Monroeville along US Route 22 to meet the woman, the complaint says.Nancy said she was told the woman would then "flag" her down and Nancy was to turn over the toddler, the complaint says.Nancy told detectives she encountered a silver SUV with out-of-state license plates parked on the side of the road and did as she had been instructed, passing the toddler and the car seat over to a woman standing next to the car and then driving off. Nancy told police she saw a second woman inside the SUV.Nancy said she then drove around, smoked cigarettes and talked on the phone with her husband, the complaint said.McDonough said Tuesday they have no evidence to corroborate Nancy's version of events, adding that Johnson and his family have been cooperative with the ongoing investigation.Nancy, who is being held without bail at the Allegheny County jail, was arraigned on Monday after being charged with kidnapping of a minor, interference with custody of children and concealment of whereabouts of a child. Her preliminary hearing is scheduled for September 16.CNN was unable to identify or reach an attorney for Nancy.Nalani's grandmother, Taji Walsh, told 3247

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