Fireworks, Grills, and Backyard Fun: Is Your Liability Insurance Ready for July 4th?
The Fourth of July is a time for fun, family, and fireworks. Whether you are grilling in the backyard, lighting sparklers with the kids, or hosting a big neighborhood party, these celebrations can come with unexpected risks.
That is why it is a good time to take a look at your liability insurance.
At Bucher Insurance, we want to make sure your summer memories are happy ones — not filled with regrets and costly claims.
What Can Go Wrong at a July 4th Party?
Even a small backyard gathering can lead to big problems. Some of the most common summer liability claims include:
- Guests slipping on wet decks or stairs
- Burns from fireworks or grills
- Fire damage from outdoor cooking or rogue fireworks
- Property damage from kids playing too rough
- Injuries involving alcohol or unsafe setups
No one plans for these things to happen. But if they do, you will want the right insurance in place.
What Does Liability Insurance Cover?
Your homeowners policy typically includes personal liability coverage, which helps pay for medical bills, legal costs, or property damage if you are found responsible. It can protect you from lawsuits or claims made by guests who get injured on your property.
If you entertain often or host large events, consider adding umbrella coverage. This adds another layer of protection beyond your basic policy and can cover high-cost claims.
Safety Tips for Hosting a Safe Celebration
Here are some ways to lower your risk:
- Keep fireworks legal, small, and at a safe distance from people and homes
- Use long-handled tools and stay with the grill at all times
- Clean up wet areas and block off uneven walkways
- Provide plenty of lighting for evening events
- Make sure guests have a safe way to get home
Need Help Reviewing Your Policy?
Jon and Emily at Bucher Insurance are happy to walk you through your current coverage and help you decide if umbrella protection is right for you. You should not have to second-guess your insurance while hosting your friends and family.
Get a quote today or call Jon or Emily for peace of mind before the party starts.
