Will my insurance cover a claim involving fireworks?

Depending on where you live – be it Texas, Colorado or any other state- you may have very strict laws about the use of fireworks.  In some places, you are not permitted to have fireworks at all while other places allow them as long as you are outside city limits.  Some places require permits to use fireworks while other places allow them to be used without permits.  It really depends on the jurisdiction you live in.  

One thing to always keep in mind when using fireworks no matter where you live is your homeowner’s insurance.  If you have an accident with fireworks that results in a claim situation, your homeowner’s insurance may or may not cover it.  A lot of carriers refuse to pay claims when fireworks are involved.  If the fireworks are illegal, your carrier will definitely decline your claim.

Understanding fireworks laws can be confusing considering the amount of fireworks available and the many different rulings in each jurisdiction.  Once you figure out if you are following the law correctly, you should give your insurance agent a call to find out if you would be covered if the need should arise.  Remember, fireworks are dangerous and could also be considered a higher fire risk just to have in your home.  You may want to consider the possibility that you may not have coverage if you own fireworks before you go out and purchase them in the first place.

If you do plan to use fireworks, be very careful.  As you know, fireworks can be extremely hot and can also be unpredictable.  Burns can occur quite easily if proper attention is not given.  Do not try to relight a “dud” fuse.  Instead, put that firework into a bucket of water so it does not detonate unpredictably.  Stay safe out there!

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