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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

of an extremely rare yellow northern cardinal.Tracy Workman, who teaches art for a homeschooling organization, said on Facebook she came out her front door in Port St. Lucie and spotted the cardinal on her bird feeder.Workman said the bird lingered for about five minutes, just long enough for her to snap a few pictures.Workman also recorded some video of the cardinal, whom she appropriately named Sunny, and posted it on YouTube.?? WATCH VIDEO OF BIRD ?? 459

Wreckage from a steamboat that caught fire and sank exactly 201 years ago has reportedly been spotted at the bottom of a Vermont lake.The Steamboat Phoenix sank on September 4, 1819 on Lake Champlain. There were more than 40 passengers and crew members onboard at 11 p.m. when the fire started.Passengers who were unable to board lifeboats as the steamboat caught fire were forced to jump into the water and cling to debris or swim for their lives to shore. In the end, six people died. 494

Your morning just got a little sweeter because Krispy Kreme has a deal that will feed you and your friends for a fantastic price.Stop in at any of their stores nationwide on Wednesday, Dec. 12, and you'll get a dozen original glazed doughnuts for as part of their annual "Day of the Dozens" promotion. That's a great price, considering a dozen normally costs about .  395

With the revolving-door slate of deals making it tough to keep track of what's coming and going to Netflix each month, we're here to help you catch some movies and shows you may have had on your list before they leave the service and become a lot harder to find.After Aug. 1, you'll need a time machine to check out the "Back to the Future" trilogy on Netflix, because they are vanishing like Marty McFly's family does in his photo. There are several other beloved movies leaving, including the coming-of-age dramedy "Can't Hardly Wait," the sci-fi classic "E.T. the Extra-Terrestrial" and the seminal romantic comedy "Hitch."Here are the shows and films leaving Netflix in August, courtesy of What's on Netflix:August 1Back to the FutureBack to the Future Part IIBack to the Future Part IIIBlack Heart (Season 1)Can’t Hardly WaitCare Bears: Welcome to Care-a-Lot (Season 1)CasperCharlie and the Chocolate FactoryChernobyl DiariesComedy Bang! Bang! (5 Seasons)E.T. the Extra-TerrestrialFreedom WritersGodzillaGuess WhoHancockHitchHogie the Globehopper (Season 1)JarheadJarhead 2: Field of FireJarhead 3: The SiegeOpen SeasonQB1: Beyond the Lights (Season 1)Ramayan (Season 1)Resident Evil: ExtinctionRomeo Must DieSaltScary Movie 2Searching for Sugar ManSex and the City 2Stuart LittleThe Edge of SeventeenThe InterviewThe PianistThe Pursuit of HappynessTwisterWilly Wonka & the Chocolate FactoryVroomiz (Season 1)August 2Skins (Season 1-7)August 4Dino Hunt (Season 1)Paranormal Survivor (Season 1)August 5Enemigo Intimo (Season 1)Ever After High (Season 1-5) 1571

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