Fireworks and Insurance: What You Need to Know

Fireworks are a fun part of many summer celebrations, especially around the Fourth of July. But before lighting up the night sky, it’s important to understand how fireworks can affect your insurance coverage.

1. Homeowners Insurance and Fireworks

If you set off fireworks at home and they accidentally cause damage to your property (like a fire or broken windows), your homeowners insurance may help cover the damage — but only if fireworks are legal in your area. If fireworks are banned in your city or state and you use them anyway, your insurance might not cover any resulting damage or liability.

2. Liability Coverage

If a guest or neighbor is injured by fireworks on your property, your liability coverage could help pay for their medical bills or legal fees. Again, this usually only applies if you followed local laws and safety guidelines.

3. Car Insurance and Fireworks

If a stray firework damages your car, such as breaking a window or causing a fire, comprehensive auto insurance may cover the repair costs. Comprehensive coverage is optional, so make sure your policy includes it if you want this kind of protection.

4. Firework Safety Tips

To reduce the risk of an insurance claim (and injury), follow these safety tips:

• Only use legal fireworks.

• Keep a bucket of water or hose nearby.

• Never aim fireworks at people, homes, or cars.

• Supervise kids and pets at all times.

• Light fireworks away from buildings and dry grass.

5. Final Thoughts

Fireworks can be a blast — but accidents happen. Make sure your insurance policy is up to date and you understand what’s covered. When in doubt, contact your insurance agent to review your coverage and avoid unwanted surprises this summer.