As families prepare to celebrate Independence Day, AAA- The Auto Club Group is reminding homeowners that fireworks can create more than a safety risk, they can also lead to costly property damage and liability concerns.
Fireworks remain one of the most recognizable parts of the holiday, but they also carry serious risks.
- There were 11 reported fireworks-related deaths and 14,700 injuries in 2024 (CPSC)
- Fireworks started an estimated 32,302 fires in 2023, including 3,760 structure fires and $142 million in direct property damage (National Fire Protection Association)
“Even well-planned fireworks displays can end in injury or property damage,” said Megan Cooper, spokeswoman for AAA – The Auto Club Group. “Before the celebration begins, be sure to understand your insurance coverage and take steps to limit potential risk.”
Insurance Advice Before Using Fireworks
- Review your homeowner’s insurance policy
- Confirm whether your policy covers fire-related damage, guest injuries, detached structures and liability claims
- Understand that coverage may vary if fireworks are illegal in your area or used improperly
- Document valuable outdoor property and move flammable items away from fireworks before the celebration
Safety Tips
- Keep fireworks away from homes, vehicles, decks, dry grass and trees
- When disposing of fireworks, soak them with water and keep them away from homes and vehicles
- Never allow young children to handle fireworks, including sparklers
- Keep a bucket of water or a garden hose nearby in case of fire
- Never use fireworks while impaired by alcohol or drugs
- Reduce risk by attending a professional fireworks display instead