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Fireworks And Insurance

MoneyTips

June 28 is National Insurance Awareness Day. Is it a coincidence that less than a week later, we celebrate Independence Day with lots of explosives in untrained hands? Americans spent a record $945 million on fireworks in 2018, according to the American Pyrotechnics Association (APA).

The COVID-19 pandemic has caused many professional fireworks displays to be cancelled, resulting in even more potentially dangerous at-home fireworks shows. Perhaps it’s time to brush up on your knowledge of fireworks safety and how potential damage or injury could be covered by your insurance policies.

For many Americans, the Fourth of July holiday means cookouts, family get-togethers, and a nighttime fireworks show. If you are putting on your own fireworks display for your family, friends and neighbors, your first thought should be about safety. Your second thought might well be about insurance.

In general, fireworks affect two different policies – your

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