Fireworks and Homeowners Insurance

Fireworks and Homeowners Insurance

If one had to guess the busiest day of the year for fires, the Fourth of July would be a good guess. Fireworks would be the likely culprit, especially those used by amateurs who may delve into pyrotechnic use but once a year. Annually, over 18,000 fires are said to be started by fireworks and fires aren’t the only issue. Fireworks related injuries account for nearly 13,000 emergency room visits each year.

While we may enjoy the festive atmosphere and comradery of a neighborhood fireworks display, the questions you should be asking is if your homeowners’ insurance policy would cover injuries or the damage to a home fireworks may cause? The answer is a bit more complicated than a simple yes or no.

If fireworks are legal in the state in which they are being set off, the answer is mostly yes. That is, of course, unless the fireworks were being intentionally shot at a structure or another person.

Here are some examples.

You shoot off a firework and it damages your neighbor’s home. You may be covered under your liability coverage.

You injure yourself when setting off fireworks. Your homeowners’ insurance would not pay as this would fall under your health insurance.

Fireworks you set off land on your roof, causing a fire and damage. You may be covered under the fire provisions of your policy.

A friend is injured in your yard from fireworks set off. Their medical payments may be covered under your liability protection.

When fireworks are being set off illegally, it is a game-changer. Most policies have provisions that will not cover damage to a homeowners home as the result of illegal acts.

Of course, each policy has a set of limits and exclusions and you should check yours to see if fireworks are among them. If you have questions, please feel free to contact one of our independent insurance agents. Our agents can also help you determine if you have outgrown your homeowners’ insurance policy. As independent agents, they have the ability to ‘shop around” between different companies searching for the best coverage for your situation at a price you can feel comfortable with. Of course, they are also here when you have questions or need assistance with a claim. For your no-obligation homeowners’ insurance quote, contact us today.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold

Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.

Green Means Growth: How Environmental Responsibility Can Boost Your Business

It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.

The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia

Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.

Peace of Mind at Home: Building Your Essential Supply Stockpile

Recent global events have highlighted the importance of being prepared for the unexpected. This article outlines key non-perishable food items and essential household supplies that every homeowner should keep on hand to ensure comfort, security, and resilience during unforeseen circumstances.

Faded Glory: Remembering the Sports That Once Ruled Our World

Remember when these sports were huge? Take a trip down memory lane with harness racing, bowling, boxing, and poker, and explore their shift in popularity.

Shielding Your Dream: Essential Insurable Risks Every Small Business Faces

Protect your small business! Understand key insurable risks like liability, vandalism, theft, employee injuries, and business interruption, and how insurance can help.

Finding Your Financial Foundation: Understanding the Minimum Life Insurance You Need

What’s the minimum life insurance you really need? Learn about covering final expenses, debts, and providing immediate financial relief for your family.

The Century-Long Rumble: The Epic Rivalry Between Ford and Chevy

Relive the classic Ford vs. Chevy rivalry, from the Model T era to the Mustang vs. Camaro showdown and today’s truck dominance.

Living Large: Peeking at the United States’ Most Outlandishly Expensive Homes

Explore the incredible world of ultra-luxury real estate with a look at some of the most expensive homes recently sold in the United States.

Curious Origins: Unraveling the Stories Behind Everyday Phrases

Uncover the surprising stories behind everyday phrases like “holy Toledo,” “crocodile tears,” “jaywalking,” and more!