Summer is here, and that means many people are making plans to celebrate the Fourth of July. While barbecues are the gold-standard for celebrating the holiday, many choose to cap off the evening by lighting fireworks on their property. Though there’s no denying that fireworks are beautiful and add to the joy of Independence Day, they’re risky to shoot off on your own, and not just because of the safety hazards. Here’s what you need to know about homeowners insurance and firework damage before you light the first bottle rocket.

Homeowners Insurance & Firework Damage

Most standard policies protect against at least a portion of firework damage should you accidentally hit the house. For example, if you cause a small fire, the policy will help cover the cost of repairs. Similarly, should a guest at a gathering be injured during the process, the policy’s liability insurance will cover the cost of their medical treatments and help offset any legal costs associated with the incident.

However, if you’re injured on your own property because of shooting off fireworks, the home insurance will not cover the cost of the medical treatment. Instead, you’ll need to rely on health insurance.

Speak With an Insurance Agent

No two policies are alike, and before you celebrate Independence Day with a backyard fireworks show, it’s best to make sure you have the right coverage in place. You don’t want to find out you’re underinsured after a costly incident.

Scheduling an appointment before the holiday will allow you and the agent to review the homeowners insurance policy to make sure the coverage is up-to-date. If you’re underinsured, you’ll have the chance to buy more coverage, so you’ll avoid high out-of-pocket expenses if you need to file a claim.

Ready to review your homeowners insurance policy or want a quote on new coverage? Contact the team at Lighthouse Agency in Fairfield, OH. Their dedicated agents will get to know you and assess your unique insurance needs, so you’ll always have the best coverage at an affordable price. Learn more about their services online and call (513) 860-9100 to schedule a consultation today.