If you are like a lot of American citizens, the July the fourth holiday will bring one certain guarantee for entertainment – fireworks. Even though as much as $675 million was spent on fireworks in 2014, fireworks still bring about certain risks as a homeowner. If you have homeowners insurance, you likely expect that if anything were to happen with fireworks, you would be covered. However, this may not always be the case. Here are a few of the most common questions homeowners have about fireworks and house insurance, and the answers you should know before you invest in a cache of holiday explosives for entertainment.
If your home or property is damaged by fireworks, will the damage be covered by insurance?
According to the National Fire protection Agency, as much as $32 million in property damage was caused by fireworks in 2011. Damage could be caused in your home if a fire gets started by a wind-blown spark or to your personal property. Fireworks could even be damaging to neighboring homes and properties. Whether or not your insurance policy will cover these damages depends on a few different factors.
The first factor is where you live. Even though many consumers buy fireworks and detonate them anyway, consumer fireworks are actually banned in some states, like Delaware and New York. If you live in a state that does not legally allow fireworks, it is not likely that damages will be covered by your insurance because you were not supposed to be using fireworks anyway.
The second factor to consider is the type of home insurance coverage you have. Causation factors are different with every policy, and therefore, your home may be protected from a fire caused by a wood stove, but not fireworks.
If someone is injured by fireworks at your home, will insurance pay the medical bills?
Homeowners insurance may not cover personal injuries of every kind on your property, especially if fireworks are involved, which are considered risky anyway. Therefore, it is best to talk to your State Farm agent about what would happen if someone did get injured. In some cases, the cause of the accident will not matter as much as the fact that someone got hurt while at your home.
If you are planning a major Fourth of July celebration in your backyard, make sure you know the consequences if something were to go wrong. It may be best to save the fireworks shows for the professionals instead of putting your home or visitors at risk.
If your home or property is damaged by fireworks, will the damage be covered by insurance?
According to the National Fire protection Agency, as much as $32 million in property damage was caused by fireworks in 2011. Damage could be caused in your home if a fire gets started by a wind-blown spark or to your personal property. Fireworks could even be damaging to neighboring homes and properties. Whether or not your insurance policy will cover these damages depends on a few different factors.
The first factor is where you live. Even though many consumers buy fireworks and detonate them anyway, consumer fireworks are actually banned in some states, like Delaware and New York. If you live in a state that does not legally allow fireworks, it is not likely that damages will be covered by your insurance because you were not supposed to be using fireworks anyway.
The second factor to consider is the type of home insurance coverage you have. Causation factors are different with every policy, and therefore, your home may be protected from a fire caused by a wood stove, but not fireworks.
If someone is injured by fireworks at your home, will insurance pay the medical bills?
Homeowners insurance may not cover personal injuries of every kind on your property, especially if fireworks are involved, which are considered risky anyway. Therefore, it is best to talk to your State Farm agent about what would happen if someone did get injured. In some cases, the cause of the accident will not matter as much as the fact that someone got hurt while at your home.
If you are planning a major Fourth of July celebration in your backyard, make sure you know the consequences if something were to go wrong. It may be best to save the fireworks shows for the professionals instead of putting your home or visitors at risk.
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