As we head into another Fourth of July here in Wisconsin, I always enjoy seeing families gather to celebrate with backyard cookouts, time at the lake, and fireworks lighting up the sky. But as an insurance professional, I also know this time of year brings questions about safety, liability, and what happens if something goes wrong.
The good news is that most fireworks celebrations end with happy memories and no incidents. However, it's worth taking some time to understand how your insurance may respond to fireworks-related damage and, more importantly, how to reduce the risk in the first place.
– Jon Oaks, President, American Advantage Lindow Insurance
Fireworks are a beloved Fourth of July tradition, but they can also pose serious risks to people and property. According to the latest reports from the Consumer Product Safety Commission, fireworks were involved in an estimated 14,700 injuries and 11 deaths in 2024. The most common injuries affected the hands, fingers, head, face, and ears.
Property damage is also a concern. The National Fire Protection Association reported that fireworks caused more than 32,000 fires in 2023, including structure fires, vehicle fires, and outdoor fires. While insurance may help with the financial impact, preventing an accident is always the best outcome.
In many cases, yes. If fireworks are legal in your area and the damage is accidental, homeowners insurance may provide coverage for:
However, coverage is not unlimited. Your homeowners insurance generally will not cover:
In those situations, your health insurance — not your homeowners policy — would typically be the source of coverage for your own injuries.
If a stray firework damages your car, comprehensive auto coverage is generally the protection that applies.
Comprehensive insurance covers damage caused by events other than collisions, including:
If someone else's fireworks damage your vehicle, their liability coverage may ultimately be responsible. However, filing through your own insurer may help speed up the repair process while insurers determine responsibility behind the scenes.
Whether you're using legal consumer fireworks or attending a neighborhood celebration, taking a few precautions can help keep everyone safe:
If you're looking for the safest option of all, consider attending a professional fireworks display and leaving the lighting to the experts.
The Fourth of July is meant to be a time of celebration, not surprises.
If it's been a while since you've reviewed your homeowners or auto insurance, now is a good time to make sure your coverage aligns with your needs. Understanding your deductibles, liability limits, and policy exclusions can help you feel more confident before gathering with friends and family this holiday season.
At American Advantage Lindow Insurance, we're always happy to answer questions and help you understand your coverage so you can focus on enjoying a memorable summer.
Fireworks are a cherished part of summer in Wisconsin, but they come with responsibilities. A little preparation, a focus on safety, and a quick insurance review can go a long way toward protecting your home, your family, and your peace of mind.
From all of us at American Advantage Lindow Insurance, have a safe and happy Fourth of July!
.png)
