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RELATED: Suspect arrested on rape, torture charges following Rancho Pe?asquitos kidnapping reportKaboli was arrested the following day. 138

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

With summer quickly approaching now is the time to start thinking, and planning, camp options. Don't panic because here are a couple of questions to keep in mind when looking for the right camp for your child.First of all, what are you child's interests? Sports? Drama? There are a plethora of different camps that focus on specific activities or themes.Just to list a few: Circle T Ranch for the equestrian child, or Lion Heart San Diego where children can learn Roman solider culture, which includes archery and fencing. For a full list on types of camps available click here. Also consider your child's specific developmental needs. Are they ready for an all-day program? Would they be more comfortable in an intimate versus large group setting?Not sure what you're looking for? San Diego Family also has some tips on how to find the right day camp. Click here for more info.  922

as part of a scheme that involved more than 40 pregnant women from the Marshall Islands brought to the United States to give up their babies for adoption, federal prosecutors said Wednesday.Paul D. Petersen, an adoption lawyer licensed in Utah and Arizona and elected Maricopa County assessor, was arrested Tuesday night in Arizona, Utah Attorney General Sean Reyes told reporters. He faces 11 felony counts in Utah, including human smuggling, sale of a child and communications fraud. He also faces fraud, conspiracy, theft and forgery charges in Arizona.Petersen's illegal adoption scheme allegedly involved the recruitment, transportation and payments to dozens of pregnant women from 690

has been postponed until Sept. 5 due to the coronavirus pandemic, organizers announced Tuesday.The race was scheduled to take place on May 2."As the situation evolved, we steadily made all necessary operational adjustments to provide the safest experience and environment," Churchhill Downs CEO Bill Carstanjen said. "The most recent developments have led us to make some very difficult, but we believe, necessary decisions and our hearts are with those who have been or continue to be affected by this pandemic."The Derby says tickets that have already been purchased for the Derby will be valid on Sept. 5. Organizers said they will have more info about ticket refunds by the end of the week.According to the Associated Press, the last time the Derby wasn't held on the first Saturday in May was in 1945, when the federal government issued a ban on horse racing because of World War II. 891