Does Homeowners Insurance Cover Fourth of July Fireworks Damage? | Insurify [Video]

Fireworks caused an estimated 12,264 fires in 2021, including 2,082 structure fires and 316 vehicle fires, according to the National Fire Protection Association (NFPA).

Despite the risks, Americans love setting off fireworks.

Consumers spent $2.2 billion on 246.5 million pounds of fireworks in 2023, the American Pyrotechnics Association reported.

Buddy Parkhurst, a licensed insurance agent with Insurify, weighs in on what people can do if fireworks damage their property and whether insurance would cover the damages.

Does home insurance cover damage from fireworks?

Not if you live in a state that bans fireworks.

A standard HO-3 home insurance policy will probably cover fireworks damage to your house — but there are exceptions.

“In states where fireworks are legal, that [damage] is going to be covered. Insurance will cover some stupidity, but not pure negligence,” says Parkhurst.

Insurance companies will deny the claim in states like Massachusetts, where consumer fireworks are illegal. Insurers may also cancel coverage for policyholders who don’t follow their states’ regulations.

“If it’s a …