if a homeowner invites friends to his home for a fireworks display and there is an injury, policy cover?

Question

if there are claims will ho policy cover owner

Answer 1

If fireworks are illegal in the area I would say that the policy might not cover injuries caused by illegal activities. I think this might be the determining factor. Since all policies differ somewhat, the best thing to do is to read the policy, particularly the exclusions.

Answer 2

There would never be a deductible for a liability or medical claim. The fact that the person was not trespassing (invited guest) would make them eligible for coverage under the medical portion of the policy and liability portion if the homeowner was negligent. However, I am not sure if the act of fireworks would be excluded. That is something you would have to check on your policy exclusions on.

Answer 3

The homeowners policy has an exclusion for coverage while committing a crime. So if owning and/or setting off fireworks is illegal there, there will be no coverage.

If setting off fireworks IS legal in your area, then you'd have to double check with your agent, as your particular policy could have an explosives exclusion. This might be state and/or company specific.

Answer 4

Yes, your homeowner's policy would cover this.

However, you have to know there are limits.

The medical payments coverage is usually very, very limited. Sometimes as little as $500.

Which is they are hurt and go to the hospital...they'd burn up in the first minute they walk in the door.

Liability coverage is usually limited to $50,000 or so.

But 'intentional acts' are excluded....and so if you are shooting off illegal fireworks, that would be considered an intentional act and therefore would not be eligible for a claim.

Answer 5

As the first person said, so long as the fireworks are not illegal, it should cover them as long as you agree for it to cover their medical expenses. Yes, the policy would cover you as well as long as you are listed on the policy.

Answer 6

Generally, yes, the ho does cover and there is no deductible for medical expenses in the majority of the states... i would have them file the claim if the individual doesn't have health insurance.

Answer 7

It commonly would. Call the insurance company. There will most likely be a $500.00 or $1000.00 deductible. Was the injured person only a spectator, or did he voluntarily handle the fire works independently? Could make a difference.