It’s February, and love is in the air. But if you’ve had a less-than-stellar Valentine’s Day, you’re not alone. These Valentine fails can happen to anyone and … ahem … put a damper on things. But here’s how to handle them like a hero.

You were baking a Valentine’s soufflé … and the oven caught on fire.

Scary as it may be, this scenario’s not uncommon. Cooking fires are the No. 1 cause of household fires, says the National Fire Protection Association. If your kitchen is getting hot, hot, hot for all the wrong reasons, here’s what to do. 

First, before there’s ever a fire, it’s a good idea to brush up on your fire extinguisher skills. That way, you can quickly put out the flames. But if the fire’s out of control, leave the house and call 9-1-1. Then notify your insurance company right away. They can help you file a claim. 

(Hot tip: Some homeowners insurance companies offer “fire department charges coverage.”)

And if you’re not too shaken up, take the dinner à deux to a restaurant. Who knows? Maybe the whole experience’ll bring the two of you closer together. Maybe?

You hosted a Valentine’s party … and a guest got injured.

Ugh, just what you get for trying to play Cupid, right? Unfortunately, if the accident happened on your property, you could be held liable. So before the party, make sure you do everything you can to keep the atmosphere safe. Scrape ice off the sidewalk and porch. Identify potential tripping hazards in the house, like loose rugs or electrical cords. And make sure you’re covered! If a guest does get injured and decides to sue — home or renters insurance could be hugely helpful.

And, of course, NEVER let a guest drink and drive. Many states have a “social hosting” law which holds the host legally responsible for the safety of their guests. Make sure that drinkers have a designated driver and have plenty of non-alcoholic beverages on hand for your guests — and their DDs.

You and your partner … part ways.

Breakups are never easy. And on Valentine’s Day of all days?! Your insurance is probably the last thing on your mind. But if your ex was on your auto policy, now’s the time to remove them. Consider it a major step forward, a healthy dose of self-care. They’re not your problem anymore … it’s time to focus on YOU. Plus, depending on their driving record, removing them may lower premium. 

You asked your true love to marry you … and they said, “Yes.”

Let’s end on a high note. And cue the “awwwwwwww….” If your proposal included a ring, you’ll also want to cue the insurance coverage. Typically you can purchase what’s called an “endorsement” on your home or renters insurance. It’s specially designed to cover mishaps involving expensive items like your engagement ring. If it’s stolen, gets damaged, or rolls down the shower drain — that endorsement can come in super handy. 

Insurance 101 | Car insurance 101 | Homeowners 101

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about Cathie

Cathie Ericson writes about personal finance, real estate, health, lifestyle, and business topics. When she's not writing she loves to read, hike, and run. Find her @CathieEricson.