By: Owen Shotkoski
Fireworks are a big part of summer at Lake of the Ozarks, especially around the Fourth of July and other holiday weekends. Whether you’re hosting friends at your lake home or enjoying a show from your dock, it’s important to understand how fireworks can affect your insurance coverage.
Are Fireworks Covered by Homeowners Insurance
In many cases, accidental fire damage caused by legal fireworks may be covered under a standard homeowners policy. However, coverage can vary depending on:
- Whether the fireworks were legal in your area
- How the fire started
- Whether negligence was involved
- The specific terms of your policy
If fire spreads to your home, garage, dock, or another structure, your policy may help pay for repairs after your deductible.
Common Fireworks Claims at Lake of the Ozarks
Insurance companies often see claims involving:
- Roof and siding fires
- Burned decks or docks
- Damaged outdoor furniture
- Broken windows
- Injuries to guests
- Damage to neighboring properties
With homes at the Lake of the Ozarks being much closer to each other along the shore, small accidents can quickly become larger claims.
What About Liability
If someone is injured while lighting off fireworks at your house, you could be held responsible. Personal liability coverage on your homeowners policy may help cover medical expenses or legal costs if you’re found liable.
Are Docks and Boats Covered
With most locals watching firework shows from docks and boats, coverage depends on the type of property:
- Dock Damage: May be covered under your homeowners policy if the dock is listed as an insured structure
- Boat Damage: Typically falls under a separate boat insurance policy
- Personal Watercraft: Usually require their own coverage as well
The Bottom Line
Fireworks are part of what makes summer at Lake of the Ozarks so memorable, but they can also create unexpected insurance questions. A quick review of your homeowners, dock, boat, and liability coverage before the holiday can help ensure you’re protected if an accident occurs.
If you’re unsure whether your current policy provides enough protection, now is a great time to review your coverage before the next fireworks celebration lights up the lake. Give us a call at (573)-557-9888 or click here for a quote.