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FireworksWhat do you have planned this 4th of July weekend?

Many of us are planning to host our own party that involves dazzling friends and neighbors with an awesome fireworks display!
While you’re enjoying the weekend and having fun planning your pyrotechnics display… please also do some research to make sure you stay safe and protected!
What if you accidentally injure your neighbor while setting off your fireworks?
Your home insurance should include coverage for their medical expenses.  Most home policies offer limits ranging from $1,000 to $5,000.  And what if your neighbor sues you?  Your home insurance should include liability coverage.  Most home policies offer limits ranging from $100,000 to $500,000.  If you need more coverage, you can buy an umbrella policy.  Most umbrella policies offer limits of $1,000,000 and more.  With the high costs of medical expenses and lawsuits these days, we highly recommend having the highest limit available on your home policy and purchasing an umbrella policy.  Do you know what coverage you have?

What if your house is damaged or burns down as a result of the fireworks?

As long as it wasn’t intentional and fireworks aren’t illegal to possess or set off… your home policy should provide coverage for this.  It’s a good idea to review the coverage included in your policy.  How much is your home insured for?  How much are your detached buildings such as sheds and garages insured for?  Do you have enough coverage to fully repair or rebuild if needed?
For some great safety tips… check out this video from The National Council on Fireworks Safety:

Gallen Insurance wishes everyone a happy and safe 4th of July!

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