Does Homeowners Insurance Cover Firework Damage?

The Fourth of July is most typically linked with fireworks in the United States. However, many individuals also let off fireworks on other joyous occasions, such as the upcoming New Year's Eve.

Fireworks may be a terrific way to celebrate the season if handled safely and performed according to the instructions. As more states permit the personal use and purchase of fireworks, the business is gaining momentum. In fact, last year's fireworks sales reached $1.9 billion, nearly doubling the previous year's total.

Unfortunately, fireworks can also cause significant damage. The National Fire Protection Association reported that fireworks cause an average of more than 19,000 fires every year.

If you are considering celebrating an event with pyrotechnics, or if you are concerned about a neighbor doing so, you may be asking if damage from fireworks is covered by your homeowner's insurance. Here is additional information regarding that topic.

Firework Damage is Frequently Covered by Insurance

Most homeowner's insurance policies cover fire damage to your home and property. However, some policies will specify the conditions under which they will cover fire damage, so be sure to read the fine print of your homeowner's insurance policy.

Most homeowners' insurance policies exclude coverage for harm caused by criminal activities. As a result, it is essential to understand the regulations of the state where you're using fireworks.

Individuals above the age of 18 may purchase and use fireworks in Michigan. This means that you can choose from a variety of popular consumer pyrotechnics, including firecrackers, Roman candles, sparklers, poppers, and other varieties.

However, local governments have the authority to impose limits on the use of fireworks. Also, it is a good idea to examine the local ordinances regarding the use of fireworks.

Also prohibited by state law is the use of pyrotechnics on any public property, including sidewalks and roadways. Additionally, you cannot use fireworks if you are under the influence of alcohol or narcotics.

If it is revealed that you violated the law while using fireworks, your homeowner's insurance policy is unlikely to cover any property or dwelling damage that resulted.

There May Be Boundaries

Even though your house insurance policy includes broad coverage for fire damage caused by pyrotechnics, not all instances will be fully covered. This is because fire-related insurance claims are frequently the most expensive.

Data from the Insurance Information Institute (III) shows the average cost of fire-related insurance claims is $79,785. Some fire-related claims would total significantly higher amounts.

It is also essential that you understand the fire damage coverage limits of your homeowner's insurance policy. If your coverage is limited to $20,000, for instance, it may not cover all of the damage to your home or property caused by a fireworks accident.

However, property damage is not the only coverage limit you must examine. People have been known to get injuries from fireworks.

If someone else is hurt on your property as a result of an accident involving pyrotechnics, your homeowner's insurance will provide liability coverage. This will assist in covering their medical expenses and missed wages as a result of the injury, as well as any legal fees you or they may incur.

Check your homeowner's insurance coverage once again to determine what it covers in terms of liability for injuries to others and its limits.