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Victoria Day Safety – Fireworks & Your Insurance Policy

Posted May 7th, 2018 in Media, General, Insurance Tips, Home Insurance, Did You Know?, In the News

Fireworks are an essential part of Victoria Day celebrations for many of us.  If you are planning on doing your own backyard firework display, we’ve outlined how that could impact your home insurance policy.

Victoria Day Safety – Fireworks & Your Insurance Policy, Youngs Insurance, Ontario

When it comes to the first long weekend of the summer, some attend local festivities with a professional firework display, and others prefer to purchase their own and have a backyard spectacle. Deciding to put on a fireworks show could result in various problems and it’s important that you stay safe and aware of what your insurance policy covers. 

Are You Properly Insured for a Backyard Firework Show?

Before you host your Victoria Day firework soiree, you should first call your insurance broker to ensure you have sufficient liability coverage on your home insurance policy.  A misdirected flare can result in damage to your home or surrounding property, as well as personal injury.  Your broker will advise you of your best options.

You should be aware of your local by-laws regarding when fireworks are legally permitted.   If damage to your home occurs or if someone is injured while using fireworks outside of the permitted times or holidays, coverage may not be applicable. 

Stay Safe this Victoria Day, With these Important Tips!

  1. Carefully read the manufacturer’s instructions before using the fireworks. 
  2. Never attempt to relight a defective firework.  Wait a half hour and douse it with water before picking it up.
  3. Have a bucket of water for soaking all fireworks after they’ve burned.  You should also keep a hose and a bucket of sand on hand too.
  4. Launch fireworks in an open area, away from your home, building, vehicles, and vegetation.  Wet the area well before you light a fuse. 
  5. Wear protective eyewear and never lean over the firecracker when lighting it.
  6. Keep all fireworks away from children.
  7. Buy fireworks from reliable sources that are licenced to sell them.
  8. Never handle fireworks if you are impaired by alcohol or drugs.
  9. Never smoke around fireworks.
  10. Don’t ever try to light the fireworks while in your hand.  Use a flat surface on the ground instead.

Remember if you are looking to get condo insurance, make sure you contact your insurance broker today! Also, if you have any questions about your coverage, don’t hesitate to reach out.

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