The Fourth of July and spectacular fireworks displays go hand-in-hand. From 1776 until the present day, July 4th has been celebrated as the birth of American independence, with typical festivities ranging from fireworks, parades and concerts to more casual family gatherings and barbecues. Fireworks are beautiful, but they’re also dangerous.
Will your home insurance cover fireworks injuries and damage? Most home insurance policies provide several different types of protection — each with varying payout limits. Also, there are different types of accidents. If you’re shooting off illegal fireworks and set fire to your house, you may not be covered. Most policies exclude damage resulting from illegal acts or when you purposely caused injury or damage. If fireworks set fire to leaves in your gutter, a section of your home insurance policy for fire incidents could cover the damage. Fireworks that malfunction and injure a friend on your property could be covered under a section for medical payments to others. Likewise, liability payments could cover your fireworks accidentally shooting into your neighbor’s house and breaking a window. But if you get into a bottle-rocket war and injure someone, you may not be covered because the incident was intentional.
- Use fireworks outdoors only
- Point fireworks away from homes and buildings
- Store fireworks properly
- Never use homemade fireworks
- Keep a bucket of water or a garden hose handy in case of fire
- Wear safety glasses when shooting fireworks
- Don’t use fireworks while consuming alchoholic beverages or drugs
- Don’t ignite fireworks in a container
- Never relight a ‘dud’ firework
- Carefully dispose of spent fireworks
- Light one firework at a time
- Don’t light fireworks in windy conditions
- Obey the law.
- Leave fireworks to the professionals