According to the National Fire Protection Association, the Fourth of July is typically the busiest day of the year for fires, with 2 of 5 structure fires blamed on fireworks—an average of 18,500 fires annually are blamed on fireworks. Will your home insurance cover fireworks injuries and damage? Most home insurance policies provide many different types of protection, and most policies have different limits for various coverages under the policy. Also, there are different types of events that trigger coverage. Unless fireworks are illegal where you live (like SC fireworks in NC) and unless you purposely caused injury or damage, then your Homeowners policy would most likely respond.
Keep it legal The majority of injuries sustained from fireworks results from illegal fireworks. Many NC residents will make a pilgrimage to SC to purchase fireworks with more dramatic explosions and displays. Of course, SC fireworks are illegal in NC, unless you have the appropriate license and permit to discharge. Avoid alcohol consumption or other substances that cause impairment and always have a bucket of water nearby in case of an emergency. For extra precaution, douse burned fireworks with water before discarding them.