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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

as high school electives.The bill, "Study of the Bible and Religion," was filed last week by State Rep. Kimberly Daniels, a Democrat who represents the Jacksonville area.Under the bill, school districts would be required to "offer specified courses relating to religion, Hebrew Scriptures, and the Bible to certain students as elective courses."The courses would include: An objective study of religion An objective study of the Bible, including, but not limited to, a course on the Hebrew Scriptures and Old Testament of the Bible, a course on the New Testament of the Bible, and a course on the Hebrew Scriptures, the Old Testament of the Bible, and the New Testament of the Bible.The courses would be offered to high school students in grades 9 through 12.If passed by the state legislature, the measure would go into effect on July 1, 2020.For more information on the bill, 880

With the surge in people buying above ground and inflatable pools, coupled with the fact that kids are spending nearly all their time at home now, the risk of drowning is up significantly.It’s the leading cause of death among young children.“A lot of that has to do with just the nature of those toddlers. They are impulsive. They are quick. They're just built to explore and they're not great at following rules or understanding limits. And for them water is a fascinating thing and if they can find it, they will, and they're going to try and get in it,” said Dr. Ben Hoffman, pediatrician with AAP Council on Injury, Violence and Poison Prevention.Hoffman says a locking fence around the entire pool can cut the risk of drowning by half. If you don’t have a fence for inflatable pools, emptying them out is best. For above ground, he suggests removing the ladder.Swim lessons also can decrease the risk of drowning. But nothing replaces the constant, within arm’s length, non-distracted adult supervision.“You have to have somebody designated as a water watcher,” said Sophia Brizeus, whose daughter drowned in pool. “Make sure they are watching the kids in the water because like I said, this can happen to anybody and it only takes a second, it only takes a second.”Brizeus started the Love Bug Foundation in memory of her daughter Soraya, who was almost 2 years old when she drowned while they were visiting with family one Sunday afternoon. The toddler just slipped away and into the pool, even with adults around.Soraya was even supposed to start swim lessons a week later.Brizeus is now educating other parents about water safety through Facebook and Instagram accounts.“What I’ve learned about the drownings is it’s not like the movies at all. It happens quick. It’s silent and a child can be with a room full of people and it still happens,” said Brizeus. 1874

his staff says.McConnell suffered a fractured shoulder after a fall at his Louisville home earlier this month. His campaign staff released a statement saying that the GOP leader is healing and resting."Senator McConnell had successful surgery yesterday in Louisville, Kentucky to repair a fracture in his shoulder. The surgery was performed without incident, and the Leader is grateful to the surgical team for their skill," David Popp, McConnell's communications director, said.McConnell is 77. Congress is currently in the middle of a recess, so he is not due in Washington for legislative duties.This story was originally published by Melissa Ratliff on 659