Know what is covered before Independence Day
DEARBORN, Mich., (June 2026) — As families prepare to celebrate Independence Day, AAA- The Auto Club Group is reminding homeowners that fireworks can create more than a safety risk, they can also lead to costly property damage and liability concerns.
Fireworks remain one of the most recognizable parts of the holiday, but they also carry serious risks.
- There were 11 reported fireworks-related deaths and 14,700 injuries in 2024 (CPSC)
- Fireworks started an estimated 32,302 fires in 2023, including 3,760 structure fires and $142 million in direct property damage (National Fire Protection Association)
“Even well-planned fireworks displays can end 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 Advice Before Using Fireworks
- Review your homeowner’s insurance policy
- Confirm whether your policy covers fire-related damage, guest injuries, detached structures and liability claims
- Understand that coverage may vary if fireworks are illegal in your area or used improperly
- Document valuable outdoor property and move flammable items away from fireworks before the celebration
Safety Tips
- Keep fireworks away from homes, vehicles, decks, dry grass and trees
- When disposing of fireworks, soak them with water and keep them away from homes and vehicles
- Never allow young children to handle fireworks, including sparklers
- Keep a bucket of water or a garden hose nearby in case of fire
- Never use fireworks while impaired by alcohol or drugs
- Reduce risk by attending a professional fireworks display instead
For more information about insurance coverage and ways to protect your home, contact your AAA insurance agent or visit AAA.com/Insurance.
About AAA – The Auto Club Group
The Auto Club Group (ACG), named a 2026 Forbes Most Trusted Company in America, is the second-largest AAA club in North America, with more than 13 million members across 14 U.S. states and two U.S. territories. ACG and its affiliates provide members with roadside assistance, insurance products, financial services, travel offerings and more. ACG is part of the national AAA federation, which serves more than 66 million members across the United States and Canada. AAA’s mission is to protect and advance freedom of mobility and improve traffic safety. For more information, download the AAA Mobile app, visit AAA.com, and follow us on social media.
visit AAA.com, and follow us on social media.
