Is Firework Damage Covered by Insurance?
During the Fourth of July season, you can expect to see fireworks lighting the sky throughout the summer. But while these spectacles beautifully celebrate our independence as a nation, they do present certain fire risks. If a stray flame touches your home or car, you might experience minor to severe damage. In fact, they are estimated to cause up to 18,500 fires each year. But would your insurance policies cover this type of damage? Here are a few helpful details that can illustrate whether you’ll be covered in these situations.
Will Homeowners Insurance Cover Firework Damage?
The answer to this question ultimately depends on the specifics of the situation. In Minnesota, fireworks that explode or go into the air are illegal. If you caused a house fire by using these types of products, you may not be covered as they are not legal to use.
However, if you are not liable for the incident—such as if a neighbor ignited a firework unknown to you and it lands on your home—you are likely to be covered. In these instances, your coverage limits would apply to the fire damage terms listed on your policy.
Will Auto Insurance Cover Firework Damage?
Like home insurance, auto insurance will likely not cover the damage caused by illegal fireworks that you used. However, if the incident was due to another party or a legal product, you may be covered. To qualify for this, you must have a comprehensive auto insurance policy that protects against damage related to non-collision incidents.
If you’re worried about fire damage, Schommer Insurance can help. Serving the Hastings, MN, area, this insurance agency provides both home and auto policies that are designed to protect your property from specific risks. Understanding that every client is unique, this team will work with you to secure affordable premiums, while making sure not to compromise on coverage terms. To learn more about how these professionals can equip you with protection from the nation’s top providers, visit their website. For insurance quotes, call a friendly agent at (651) 319-0699.
About the Business
