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For many, the Fourth of July holiday is a time to celebrate, grill outdoors, and spend time with family and friends. One of the most popular ways to mark the occasion is with fireworks. Unfortunately, these incendiary devices can cause serious destruction to homes. If you live in Maryland, you may wonder if your homeowners insurance policy covers those damages. This helpful guide from Crothers Insurance Agency in Rising Sun, MD, outlines the state laws regarding fireworks and tips for safe, legal use.

Fireworks Rules In Maryland

Legal & Illegal Items

Like many states, Maryland bans most fireworks. Explosive fireworks are only permitted in public displays with a permit and approval from the State Fire Marshal. Some ground-level sparkler devices that don’t explode are allowed for home use. The State Fire Marshal’s website offers a complete list of permitted devices.

insurance policyAside from the potential for costly fines, using illegal items will likely result in denial of any claim against your homeowners insurance policy. Most carriers do not pay for repair or replacement costs incurred from unapproved devices. Before Independence Day, check with your insurance provider to find out what is covered when it comes to fireworks damage.

Fireworks Safety Tips

This Fourth of July, have fun and stay safe by using legal fireworks responsibly. Never allow small children to handle the devices. A responsible adult should always be in charge of lighting and extinguishing fireworks and be present from start to finish. Instruct guests to point items away from people, structures, and trees or shrubs. Safely store other flammable materials on site and keep a fire extinguisher and a bucket of water close to quickly put out flames or embers. Soak used devices in water to ensure they can’t reignite.

Crothers Insurance Agency wants you to celebrate the Fourth of July safely and responsibly. If you’re seeking a comprehensive homeowners insurance policy to cover your house, surrounding structures, and personal possessions, call (410) 658-5200 for a free rate quote. Visit the website to learn more about the agency and its network of national insurance carriers.

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