How to stay safe and ensure your insurance has you covered.
The 4th of July is a time for celebration across the USA. From fireworks to cookouts, the day is filled with family, friends, and fun. However, amidst the festivities, it’s critical to keep safety and insurance top of mind. Here’s how you can enjoy the holiday while ensuring your insurance coverage protects you from potential mishaps.
- Fireworks are a quintessential part of Independence Day celebrations, but they also pose significant risks. Always follow local laws and safety guidelines when using fireworks. Maintain a safe distance from fireworks and only use fireworks that are legal in your area. Have a bucket of water or a hose nearby to extinguish any accidental fires. Homeowners insurance typically covers fire damage but it’s important to check your policy details. Accidental fires caused by fireworks might be covered but negligence or illegal activity might not be.
- Grilling out is a tasty 4th of July tradition. However, grilling can be dangerous if not done properly. Always grill outdoors and away from structures, trees, and flammable items. Never leave a lit grill unattended and regularly clean your grill to prevent grease fires. Keep children and pets away from the grilling area. If a grilling accident causes damage to your home, your homeowner’s insurance may cover it. However, ensuring your grill is well-maintained and used safely can prevent accidents and claims.
- If you have a pool, it’s likely your house is the hotspot for 4th of July festivities. Always supervise children and inexperienced swimmers. Have a conversation with other adults as to who is watching them; don’t make assumptions. Ensure your pool area is secure with proper fencing and safety gates. Maintain a clean pool to prevent health issues. Homeowners insurance often includes liability coverage which can protect you if someone gets injured in your pool. Having safety measures in place can reduce liability risks.
- Hosting a 4th of July party comes with responsibilities. If you’re serving alcohol, monitor guests’ consumption and never let anyone drink and drive. Ensure the food you serve is kept at safe temperatures to avoid foodborne illnesses. If your party extends into the evening hours, ensure walkways and stairs are well lit. Personal liability coverage in your homeowners can protect you if a guest is injured on your property.
- Over 50 million Americans will travel over the 4th of July holiday which leads to an increase in traffic and potential accidents. Be sure to follow all traffic laws, avoid distractions, and never drive under the influence. Make sure your auto insurance policy is up to date and provides adequate coverage.