National Fireworks Safety Month: Tips & Insurance

The arrival of National Fireworks Safety Month and the anticipation of Independence Day bring with them the excitement of fireworks lighting up the night sky. While these displays are a central part of celebrations, it's crucial to remember that fireworks come with inherent risks. This is why understanding safety practices and considering insurance coverage is essential for a safe and joyful holiday.

Consider Professional Displays Over DIY Fireworks

Professional fireworks displays not only offer a more spectacular show but also come with significantly fewer risks than at-home setups. Handling fireworks without proper training can lead to accidents, making it wise to leave the pyrotechnics to the experts.

Supervise Children Closely

Fireworks and children can be a dangerous mix. Sparklers, for example, burn at temperatures up to 2,000°F, posing serious burn risks. Instead, consider safer alternatives like glow sticks or confetti poppers for young children.

Have Emergency Precautions in Place

When handling fireworks at home, always keep a bucket of water or a hose nearby to quickly extinguish any unexpected fires. Choose a clear area free from dry grass or flammable materials to minimize the chance of accidental fires.

Follow Local Laws and Safety Guidelines

Before setting off fireworks, check your state and local regulations. Some areas restrict or ban certain types of fireworks. Adhering to the safety instructions provided with your fireworks is also essential for a safe experience.

Review Homeowners Insurance Coverage

Before hosting a fireworks display, review your homeowners insurance policy. Typically, fire damage from legal fireworks is covered, but it's important to check for any limitations or requirements. Ensure your policy includes liability coverage in the event of injuries or property damage.

Fireworks safety is about more than just avoiding injury; it's about protecting your loved ones, home, and community. Encourage responsible celebrations and consider reviewing your insurance policy with an agent for peace of mind. Sharing these safety tips with family and friends can help ensure everyone enjoys a safe and festive holiday.