The short answer
Fire from legally purchased consumer fireworks is a covered peril under fire coverage. Illegal fireworks (M-80s, mortars where banned) give insurers grounds to deny under intentional or illegal acts exclusions. Neighbor's fireworks damaging your home — file with your own insurer; they subrogate against the neighbor's liability.
Frequently asked
- Does personal liability cover fireworks I set off?
- For accidental fire damage to neighbors, usually yes. For injuries to guests, usually yes. Excluded if fireworks are illegal locally.
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