The Fourth of July is a time for celebrating the country’s independence – lazy days in the summer sun – and of course, fireworks. To help you and your family have a safe holiday, keep in mind the following guidelines from the National Council on Firework Safety:

• Use fireworks outdoors only.
• Obey all local laws. Do not use fireworks if they are illegal in your area.
• Always have water handy.
• Only use fireworks as intended; don’t alter them in any way.
• Never relight a “dud.” Wait 20 minutes and then soak it in a bucket of water.
• Use common sense. Spectators should keep a safe distance from the fireworks.
• Alcohol and fireworks do not mix. Make sure the person lighting the fireworks is sober.
• Do not ever use homemade fireworks or illegal explosives.

Be aware: Fireworks can lead to devastating fires. Celebrate safely – and have a Happy Fourth of July!

Know your deductibles in all perils.

Be sure you are aware that your liability deductible is very different from your hurricane deductable. You can find out the difference between the two deductible amounts by simply calling your agent. Do not be blind-sided by a high deductable you are not prepared for!