Insurance coverage for damage by fireworks

INDIANAPOLIS – Stephen W. Robertson, Commissioner of the Indiana Department of Insurance, is warning Hoosier homeowners and renters that accidental damage caused by fireworks that are banned in their counties may not be covered by their homeowners or renters insurance policies. Many insurance policies have disclaimers for coverage cause by illegal acts committed by the insured person. Robertson noted that injury or property damage caused by another person’s use of fireworks may be covered.

He added, “Although we are not experiencing the extremely dry and hot conditions of last year, fireworks can still be dangerous and caused both injury and property damage. I encourage you to confirm your city or county’s laws about using fireworks and then review your insurance coverage.”

The National Fire Prevention Association reported that in 2011 there were17, 800 fires and 9,600 injuries caused by fireworks.

Commissioner Robertson reminded Hoosiers to periodically review their homeowner and renters policies and contact their insurance agents with any questions. Anyone having a problem with an insurance claim can contact the Department of Insurance at 800-622-4461 or through the website at

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