AAA Warns: Fireworks Risks Include Insurance Gaps

AAA is urging homeowners to review their insurance coverage and take precautions as fireworks pose risks of injury, property damage and liability during Fourth of July celebrations.

The reminder comes as families prepare for the Independence Day holiday, with safety advocates emphasizing that fireworks can create hazards beyond their visual appeal.

Federal data underscores the risks. Fireworks were linked to 11 deaths and 14,700 injuries in 2024, according to the Consumer Product Safety Commission. In 2023, fireworks caused an estimated 32,302 fires, including 3,760 structure fires and $142 million in direct property damage, according to the National Fire Protection Association.

"Even well-planned fireworks displays can end in injury or property damage," said Adrienne Woodland, 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 Considerations Before Using Fireworks

AAA recommends homeowners examine their insurance policies ahead of any use of fireworks.

That includes confirming whether coverage applies to fire-related damage, guest injuries, detached structures and liability claims. Coverage can vary depending on whether fireworks are legal in a specific area or used properly.

Homeowners are also encouraged to document valuable outdoor property and move flammable materials away from areas where fireworks may be used.

Fireworks Safety Tips for Homeowners

Safety precautions can reduce the likelihood of injury or damage.

AAA advises keeping fireworks away from homes, vehicles, decks, dry grass and trees. Used fireworks should be soaked with water and disposed of at a safe distance from structures.

Children should not handle fireworks, including sparklers, and a bucket of water or garden hose should be readily available in case of fire. People should also avoid using fireworks while impaired by alcohol or drugs.

To reduce risk, AAA suggests attending a professional fireworks display instead.

More details about insurance coverage and home protection are available at AAA.com/Insurance.

Frequently Asked Questions

Q: Does homeowners insurance cover fireworks damage?

A: Coverage varies by policy and whether fireworks were legal in your area and used properly. AAA recommends checking your specific policy for fire-related damage, guest injuries, and liability claims before using fireworks.

Q: How many injuries do fireworks cause each year?

A: According to the Consumer Product Safety Commission, fireworks were linked to 11 deaths and 14,700 injuries in 2024.

Q: What safety precautions should I take if using fireworks at home?

A: Keep fireworks away from homes, vehicles, decks, dry grass and trees. Soak used fireworks in water before disposal. Keep children away from all fireworks including sparklers. Have water or a hose ready, and never use fireworks while impaired.