No 4th of July would be complete without a neighborhood barbecue and a fireworks display when the sun goes down. Fun as they might be, fireworks can also lead to serious injury and house fires, even when used correctly. Before stocking up for your summer celebration, check to make sure your homeowner’s insurance will cover the damage if your property is damaged by an errant rocket. Here is some more helpful information to keep your home safe and covered this Independence Day.

Fireworks & Homeowner’s Insurance

Following State Laws

Whether your homeowner’s insurance policy covers firework damage depends on the type of device you were setting off and the local laws in your state. Home insurance policies generally offer comprehensive coverage, but damages caused by illegal activity are specifically excluded. In North Carolina, any type of rocket or firework that leaves the ground or explodes is illegal, so if you’re using a firecracker or mortar when the fire starts, the insurer will likely deny the claim.

Using Fireworks Safely

Every firework can throw off sparks or malfunction, setting fire to grass or shrubs and threatening your home. When lighting ground spinners and sparklers, keep them away from your home or other structures, and never try to relight a fuse that didn’t ignite. After the festivities, put spent fireworks in a bucket of water or bury them in sand overnight, and separate them from the rest of your trash. Finally, supervise children when they’re lighting fireworks, and use every product as directed.

No matter your situation, the independent agents at High Rock Insurance Agency in Lexington, NC have the resources and experience to find a policy that fits your needs. Because they work with some of the leading carriers in the country, you can be sure you’re getting the right coverage at the best possible rate. To speak with an agent and request a homeowner’s insurance quote, visit them online or call (336) 236-9022 today.