Fireworks, Parties, and Insurance: Stay Covered This Fourth of July

The Fourth of July brings excitement, fireworks, and festive gatherings. It also brings a higher risk of property damage, injuries, and liability claims. As you plan your

celebrations, knowing how your insurance protects you can help avoid costly surprises.

At Bowthorpe Insurance, we want Utah homeowners to celebrate safely while keeping their homes and guests protected. Here’s what you need to know.

How Fireworks Impact Your Home Insurance

Fireworks are a traditional part of Independence Day, but they can quickly turn dangerous. More than 10,000 injuries happen each year from fireworks, along with countless fires that damage homes and property.

Depending on your policy, fireworks-related damage may not be covered if fireworks are illegal in your area or if you ignore local regulations. If a guest is injured, your personal liability coverage might step in — but only if you followed safety rules and complied with the law.

Ask yourself:

• Are fireworks legal in my city or county?

• Does my policy specifically exclude fireworks damage?

• Have I notified my insurer about my celebration plans?

Checking these points before the big day can help you avoid denied claims.

Legal Requirements for Fireworks in Utah

Laws on fireworks vary throughout Utah. Some cities limit what kinds of fireworks you can use and when you can use them. Others restrict them entirely during high fire-risk periods.

For example, many communities ban aerial fireworks during drought conditions. Violating these rules could not only lead to fines but also void your insurance coverage if something goes wrong.

Always check with your city or county and the Utah Fire Marshal’s office before you light a fuse.

Hosting a Fourth of July Party: Your Insurance Responsibilities

Large gatherings increase the chance of injuries and accidents. If someone slips on a wet patio or burns themselves near a grill, you could be held liable.

Homeowners insurance typically covers:

• Guest injuries on your property

• Accidental damage to a neighbor’s property

But it may not cover intentional acts or illegal activities, including unsafe or banned fireworks. Hosting responsibly, controlling alcohol use, and having a first-aid kit on hand are smart ways to reduce risk.

Safety Tips for Fireworks and Parties

Keep your celebrations safe with these practical steps:

• Store fireworks away from children

• Light fireworks on a flat, fire-resistant surface

• Have water or a hose nearby

• Keep pets indoors to prevent stress or injuries

• Supervise kids with sparklers

• Avoid alcohol when handling fireworks

If you want a worry-free experience, consider attending a professional show instead of doing a backyard display.

Fireworks Alternatives for a Safer Celebration

Not sure if fireworks are worth the risk? Consider safer alternatives:

• LED light shows

• Glow sticks

• Community laser displays

• Drone shows

These options reduce fire hazards and can be more family-friendly.

Reviewing Your Coverage Before the Holiday

Before the Fourth of July, take time to review your homeowners or renters policy. Confirm:

• Liability limits

• Fire damage coverage

• Guest injury protections

• Any exclusions for fireworks-related damage

If you plan a larger event, ask about umbrella insurance for extra protection beyond your standard policy.

Bowthorpe Insurance can help review your coverage and make recommendations so you can celebrate stress-free.

What to Do if Something Goes Wrong

Accidents happen, even with the best plans. If you have a claim:

• Contact your insurance agent right away

• Document the damage or injuries with photos

• Keep receipts for any emergency repairs or medical expenses

• Share eyewitness details if available

The faster you report a claim, the smoother the process will be.

Protect Your Fourth of July with Bowthorpe Insurance

Fourth of July celebrations should be memorable for the right reasons. Understanding your insurance and taking proactive safety measures means you can enjoy the day without worry.

Bowthorpe Insurance has served Utah families for decades. Our local agents are ready to help you check your policy, recommend adjustments, or answer any questions before your holiday plans begin.

Call us at (801) 487-2300 or visit www.bowthorpeinsurance.com to make sure your Fourth of July is safe, fun, and fully protected.

FAQ

Does homeowners insurance cover fireworks accidents? It depends on your policy and whether you follow local laws. Many policies exclude fireworks-related damage if fireworks are banned in your area.

What happens if a guest gets hurt at my party? Homeowners insurance often covers guest injuries, but you should confirm the limits with your agent.

Is an umbrella policy worth it for parties? If you expect a lot of guests or higher risk activities, umbrella coverage offers extra protection beyond your home policy.

How can I stay compliant with Utah’s fireworks laws? Check with your local fire department or city government to learn what’s allowed and when you can legally light fireworks.

Can Bowthorpe Insurance help me adjust coverage before my event? Yes. Our local agents are happy to review your policy, explain coverage details, and recommend any updates before your Fourth of July gathering.