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Well okay these days insurance likely doesn’t cover many dangerous or “dangerous” things. But this one is pretty reasonable. Starting in 1908, some insurance companies said they wouldn’t cover fires starting from trees that had candles for lights, which began in 1660ish in Germany. But not everyone was able to affairs a Christmas tree ofc which might have been good for them in the sense they would have less of a chance of burning their house down. But yeah, quite a risky tradition, Christmas lights aren’t 100% risk free to this day, but they’re a whole lot safer than covering a flammable object in little fires 