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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

Workers at a Chula Vista nonprofit are stunned and reeling after an arsonist burned down their office. Around midnight Saturday, an arsonist broke into the Alliance of Californians for Community Empowerment office on H Street, using lighter fluid to set it on fire. The nonprofit campaigned hard in favor two pro-rent control measures that failed in last week's election. Still, the arsonist apparently set the fire where the group's campaign signs stood. "This was a happy space, this was a safe space," said Paola Montes-Martinez, ACCE's San Diego director. "It's hate. That's what I smell in here."The Chula Vista police have opened an arson investigation. And they may have a clue.A worker at the 7-Eleven next to the office says the suspect stole two cans of lighter fluid, moments before the office went up in flames. Surveillance video has been turned over to police. Meanwhile, Montes-Martinez says the organization will not be intimidated. On Monday afternoon, officials from Chula Vista, National City and various San Diego nonprofits held a rally for ACCE. The group will work out of different nonprofit offices in the meantime, with a focus on fighting for tenant rights.  1217

-- meaning wind, humidity and other conditions are ripe for fires.The Hillside Fire is far from over -- officials urge about 1,300 people in an evacuation zone in the north of the city to stay away. But the flames were out in Valdavia's neighborhood by late morning, and Valdivia returned to find only charred remains of his house. He'd lived there a little more than a year."It hurts, but this can get replaced," he said. "You can't replace a life. That was my priority -- just my kids, and making sure everybody was aware."One thing he regrets not grabbing: a laptop with the only copies of some baby photographs of his kids."That's the only thing that hurts my feelings a lot -- pictures I didn't save," he said.The fire was first reported just north of San Bernardino around 1:40 a.m. PT (4:40 a.m. ET) and swept into neighborhoods on the city's edge, consuming about 200 acres by mid-morning, officials said.Authorities rushed to alert residents who'd been sleeping. No injuries have been reported.490 homes in San Bernardino evacuatedFirefighters were working to keep the fire from advancing Thursday."This fire moves so fast that it's imperative that people evacuate when we ask them to," San Bernardino County Fire Deputy Chief Kathleen Opliger said. "It's not a safe place to be."Evacuations have been ordered for about 490 homes in northern San Bernardino, the county fire department said.The fire was a few miles away from Cal State San Bernardino, which was closed Thursday because the regional utility intentionally cut power as a precaution, hoping to prevent fires in the red-flag conditions. The campus lost power at 3:20 a.m. Thursday.Julien Cooper, 53, and his father were sleeping in Cooper's San Bernardino home when he heard his phone ringing. He woke up and smelled smoke."Ten seconds later, I hear the doorbell and I already know what it is since we had a fire a week ago," he told CNN. "It was the neighbor saying that there was a fire in the field."Cooper grabbed his dad and his dog, crossed the street to help the neighbor's elderly mother evacuate and met up with a relative at a McDonald's. Minutes later he returned home and grabbed some valuables -- and his neighbor's home was on fire.Cooper took video of the neighbor's house engulfed in flames. His nephew Henri Moser, who lives out of state, shared it on Twitter. Cooper said he heard firefighters say they'd try to save his house, which had 2428

during a performance of "The Beatles LOVE" at The Mirage Casino.The incident occurred during the 9:30 p.m. show. Cirque du Soleil says that the aerial artist fell during the finale.The show was stopped as a precautionary measure, and the emergency team safely took the artist backstage, where he was taken care of by the show's medical team. The performer was then transported to a local hospital for examination.Cirque du Soleil said that the artist would be monitored by the show's medical and coaching teams to determine when he can return to his activities.Another Cirque du Soleil performer 598

ZEPHYR COVE, Nev. (AP) — Authorities in northern Nevada say a woman drowned after falling off a boat carrying six children on Lake Tahoe and a man who jumped off the boat to try to rescue her had to be hospitalized for severe hypothermia. The Tahoe Douglas Fire District said the incident occurred Friday evening near Zephyr Cove on the east side of the lake. After the woman and the man went into the water, the boat with the children still aboard drifted further from shore. The district said one of its boat crews rescued the children in the middle of the lake and that they were unhurt.No identities were released. 626

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