Snap, Crackle, Boom, the Fourth of July week is here, meaning sparklers and and fountains will be aflame in Oregon. Although festive and fun, fireworks can be dangerous and cause unwanted damage to one’s property and person. Proper Homeowners Insurance is crucial. If fireworks are used near your home, your house and property (and possibly that of your neighbors) are exposed to a risk of fire damage and you, your family, and your guests are vulnerable to injury.
In Oregon, homeowners insurance typically covers damage caused by fire, including fires started by legal fireworks. Here is how Homeowners insurance in Oregon can help protect you:
- Dwelling Coverage: This part of your policy typically covers damage to the structure of your home. For example, if a legal firework, such as a wayward firework, lands on your roof and causes a fire that damages your home, this coverage would usually apply.
- Personal Property Coverage: This policy covers your personal belongings inside the home. If a fire caused by legal fireworks damages your personal property, this coverage can help pay for the replacement or repair of those items.
- Liability Coverage: If a guest or neighbor suffers an injury caused by unintentional actions involving fireworks, your policy’s liability coverage may help cover medical expenses and legal fees if necessary.
- Exclusions and Limitations: Homeowners insurance policies have exclusions or limitations. Always refer to your insurance contract for these items. Examples of exclusions could include illegal acts or injury to a resident or family member.
To determine if you have the coverage you need, contact our team to review your homeowners insurance policy. This proactive step will empower you with the knowledge of what is and isn’t covered regarding fireworks-related damage, giving you peace of mind so you can relax and celebrate safely this holiday.