The Fourth of July is a time to celebrate freedom, gather with friends and family, and enjoy backyard BBQs and fireworks displays. But along with the fun comes an increased risk of accidents—especially when it comes to fire safety. Each year, thousands of firework-related fires and injuries are reported across the country, many of which could be prevented with the right precautions and protection in place.
As your local insurance agency, we want to help you enjoy a safe and worry-free Independence Day. Here are a few tips to keep your holiday celebrations covered—literally and figuratively.
🔥 1. Fireworks and Your Homeowners Insurance
If you’re lighting fireworks on your property, it’s important to know that most homeowners insurance policies do cover fire damage if it’s accidental. However, some policies may exclude claims if fireworks are illegal in your area. That’s why it’s crucial to check your city or county laws before lighting up the sky.
Pro tip: Even if you’re not setting off fireworks yourself, your home could still be at risk from neighbors’ celebrations. Having the right coverage in place ensures you’re prepared for unexpected incidents.
🍔 2. Backyard BBQs and Liability Protection
Grilling is a Fourth of July staple, but it’s also one of the top causes of outdoor fires. Keep your grill at least 10 feet away from structures, and never leave it unattended.
Hosting guests? Your liability coverage kicks in if someone is injured on your property (for example, a slip on wet grass or a burn from the grill). For added protection, consider an umbrella policy—it’s affordable and can cover gaps beyond your standard policy limits.
đźš— 3. Hosting a Party? Think Ahead
Serving alcohol? If a guest causes a car accident after leaving your party, you could be held partially liable. That’s where having proper homeowners liability coverage (and again, an umbrella policy) can offer peace of mind.
đź’Ą 4. Firework Alternatives for Safer Fun
If you’re looking for lower-risk ways to celebrate, consider:
- Glow sticks or sparklers in a wide-open area (with water on hand!)
- Laser light shows
- Attending a professional fireworks display in your community
Bonus: many local shows are safer and more spectacular than backyard fireworks.
🎥 Watch: Fourth of July Safety Tips from the Experts
We recently teamed up with our friends at ServiceMaster to share even more tips on how to keep your home and loved ones safe this Fourth of July. In this quick video, Ty and Juli walk through fire prevention best practices, what to do in case of an accident, and how to make sure your insurance is up to date before the festivities begin.
👉 Check out the video below and share it with anyone hosting or celebrating this year!
Stay safe, stay covered, and enjoy your holiday!
🧨 Final Thoughts
The Fourth of July should be a time for making memories—not emergency calls. A quick review of your homeowners policy can go a long way in making sure you’re protected from fire, accidents, and liability surprises.
If you’re not sure what your policy covers—or you just want a quick review—we’re here to help. Give us a call, and we’ll make sure your coverage is as solid as your grill game.
Wishing you a fun, safe, and sparkling Fourth of July!
– The Gilday Insurance Team
Gilday Insurance Agency 