Home Insurance and Fireworks Damage in Oklahoma City

It was a typical Fourth of July in Edmond—neighbors grilling, kids waving sparklers, and a backyard fireworks show that had everyone looking up in awe. That is, until a rogue bottle rocket veered sideways and slammed into Mike’s wooden fence. The flames spread fast, scorching part of the deck and causing smoke damage to the home’s siding.

​Thankfully, no one was hurt. But the next question was obvious: Will my home insurance cover this?

You might think, "We're beyond the 4th of July, I don't need to think about that."

However, it's not strange to hear fireworks in your neighborhood throughout the summer.
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Fireworks might be fun, but they also bring risk. In Oklahoma City and the surrounding areas, summer celebrations and backyard pyrotechnics can result in fires, injuries, or property damage. And while your homeowners insurance may step in—there are some key things you need to know.

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Will Home Insurance Cover Fireworks Damage?

In many cases, yes, but with conditions.
Most standard homeowners insurance policies will cover accidental fire damage caused by fireworks. That includes:

• Fires that damage your home
• Burned fences or decks
• Smoke damage
• Injuries to others on your property

But—and this is a big one—coverage often depends on:

• Local laws: If fireworks are illegal in your area and you're using them anyway, your claim could be denied.
• Negligence: If your insurer believes you acted recklessly or broke safety guidelines, they might reject the claim.
• Intentional damage: If you or someone in your household intentionally caused harm, it won’t be covered.

What If a Guest Causes the Damage?

Let’s say your buddy lit the fireworks that scorched your siding—your policy may still respond. If they’re a guest and not part of your household, your dwelling coverage might still apply. But you could also file a claim against their homeowners or renters policy for reimbursement.

What About Injuries?

If someone is injured by fireworks at your home, your personal liability coverage may help with:

• Medical expenses
• Legal defense if you’re sued

This is one reason we often recommend reviewing your liability limits—especially if you host big events or parties during the summer months.

What If a Neighbor's Fireworks Damage Your Home?

If your neighbor causes damage with their fireworks, you may have a few options:

• File a claim with your own homeowners policy, then your insurer may seek reimbursement from the neighbor’s insurance.
• Ask your neighbor to file a claim through their liability coverage.
• Consider filing a civil claim if they’re uninsured and unwilling to take responsibility.

Document everything—photos, witness statements, even leftover fireworks debris. The more information you have, the easier the claims process.

Fireworks and Legal Restrictions in Oklahoma

Cities like Oklahoma City, Moore, Edmond, and Norman all have their own rules on fireworks. Some prohibit them completely, while others allow only certain types during certain dates.

​If you’re setting them off in a restricted area, your homeowners insurance might decline to pay for any resulting damages.

So before you strike that match, double-check your local ordinances.

Protecting Your Property from Fireworks Damage

A few tips to stay safe—and stay covered:

• Keep a bucket of water or hose nearby when lighting fireworks.
• Use them only on flat, nonflammable surfaces—never near dry grass or wood structures.
• Supervise all activity, especially with kids nearby.
• Keep fireworks far from your home, shed, or fence.
• Make sure your home insurance is current and liability coverage is strong.

​Protecting Your Property from Fireworks Damage

A few tips to stay safe—and stay covered:

• Keep a bucket of water or hose nearby when lighting fireworks.
• Use them only on flat, nonflammable surfaces—never near dry grass or wood structures.
• Supervise all activity, especially with kids nearby.
• Keep fireworks far from your home, shed, or fence.
• Make sure your home insurance is current and liability coverage is strong.

get the best okc home insurance!

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Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​​