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16 Jun Fireworks and Home Insurance: Are You Protected?

Macleod-Lorway-Insurance_Home-Insurance: group of friends holding sparklers

Every summer, dazzling fireworks displays light up the sky from coast to coast to celebrate the birth of our great nation. With their twinkling bright lights and thunderous booms, fireworks are the highlight of many grand Canada Day celebrations. However, pyrotechnics can be extremely dangerous if manipulated incorrectly.

Are you properly insured?

If you’re planning a Canada Day extravaganza that involves wowing your family, friends and neighbours with airborne sparklers in your backyard, check with your insurer first to make sure you have sufficient home insurance liability coverage. A misdirected flare can result in property damage (to your home or adjacent properties) or personal injury, ranging from minor burns to severe lacerations. The insurance professionals at MacLeod Lorway in Halifax, Dartmouth and New Glasgow, Nova Scotia can provide recommendations to keep you financially protected should your celebrations take a turn for the worse.

Fireworks safety tips

In addition to having adequate property insurance, homeowners should also be familiar with fireworks safe handling practices to avoid any mishaps. To ensure a fun and safe family fireworks display, consider these 10 safety tips:

  1. Check with local authorities to make sure the personal use of fireworks is permitted in your neighbourhood. Many cities have set their own restrictions on when and where fireworks may be enjoyed. Remember, insurance policies don’t cover damage caused by illegal activities.
  2. Store fireworks in a cool, dry and well-ventilated area for later use.
  3. Always carefully read the manufacturer’s instructions before use. There’s no room for improvisation when handling fireworks.
  4. Keep pyrotechnic materials away from children’s reach. In Canada, people under 18 years old must be supervised by an adult when using fireworks.
  5. Never attempt to relight a “dud” (a defective firework), and wait 30 minutes before approaching it.
  6. Launch fireworks in an open area away from buildings, trees and dry bush, and make sure spectators are out of range (preferably upwind).
  7. Wear protective eyewear, and never lean over a firecracker while lighting it.
  8. Always have a bucket of water or fire extinguisher nearby to put out a fire, if necessary. Dispose of used fireworks in a pail of water.
  9. Never try to light fireworks in your hand. Use a flat surface on the ground instead.
  10. Don’t mix fireworks and alcohol! Appoint a “designated” fireworks handler to coordinate the big show.

In Canada, the sale and purchase of consumer fireworks are regulated for good reason. Pyrotechnics are powerful explosives that can result in property damage or personal injury if used without care. If you have any doubts or questions about your home insurance coverage, contact your trusted insurers in Halifax, Dartmouth, or New Glasgow today! At MacLeod Lorway, we’ll work with you to find a customized insurance plan that meets your exact needs.