The Fourth of July is right around the corner and we’re gearing up to celebrate with friends and family.  This year you will probably be hosting a party while grilling burgers, hotdogs and probably setting off fireworks.  But before heading out to buy party supplies and fireworks make sure you are set for a safe, claims free Fourth of July.  All home insurance policies are different.  So it is hard to say what you are covered for under your policy and pinpoint what you may be at risk for.  Read over your insurance policies to determine your coverage.

Different details of an incident can determine if you have coverage and for how much.  And even if you understand you insurance coverage and are sure that you will be covered, the best way to avoid problems is to focus on safety first.  Even if your insurance covers damages, imagine having to live knowing someone was injured in your home or your fireworks burned down a neighbors’ home.  Read the information below of common claims filed during Fourth of July and what you can do to avoid them.

Fourth of July Insurance Claim Risks

  • Auto Accidents pose higher risks during the holidays because there are more drivers on the road and a greater chance of drinking and driving.  If you will be hosting a party and offering alcohol keep an eye on everyone so that they do not get behind the wheel.  You may be held liable if your guests cause an accident and have been drinking at your home.
  • Drowning Risks during the summer happen more frequently as there are more people wanting to get in the water and enjoy the sun.  According to the USA Swimming Foundation, at least 163 children under the age of 15 drowned between Memorial Day and Labor Day of 2017.  It can only take a few seconds for anyone to drown in a pool, lake or ocean.  The best thing you can do is teach basic swimming and safety lessons to children and never leave them unattended.  Even if there are lifeguards around make sure you and your family have appropriate safety equipment on.
  • Boating Incidents can occur at any time so if you are heading to the lake or beach be extra cautious.  If you are hosting a party, it is illegal, dangerous to operate a boat while under the influence of alcohol.  Have someone else operate the boat if you will be planning on drinking.  Before you go out in the water ensure your policy is current.  Also make sure everyone on board has life preservers and teach them about boat safety.  When passengers want to get out and swim make sure that you turn off the engine.
  • Cooking Fires, according to the U.S. Fire Administration, are the leading causes behind structural fires.  When you are grilling outdoors make sure to place the grill far enough from the home.  Placing grills at a safe distance from your home can stop a spark from igniting your home.  For outdoor grills with a grease trap, make sure to empty it as it can easily catch fire.  You can avoid a fire by having someone always tending to the grill and no one playing around it.  You can prevent grill fires by checking connections between propane tank and fuel line while not overfilling propane tank.  Avoid lighting an already-lit grill and douse hot coals with water to guarantee fire is out.
  • Fireworks are legal in the state of Texas but many counties forbid them so check with your county beforehand.  If you are not sure how to handle fireworks leave to the professionals.  You can always attend a Fourth of July firework display around your city or neighboring county.  By leaving fireworks to others, you can also avoid a trip to the emergency room.  But if you are determined to use fireworks and your county allows, remember these safety tips.  Keep children away from fireworks, always have adult supervision, watch fireworks from a safe distance and purchase fireworks from reputable vendors.

Premium Insurance wishes you all a fun and safe Fourth of July!