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Sparks Insurance, Inc. Blog: personal liability

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The Fourth of July and spectacular fireworks displays go hand-in-hand. From 1776 until the present day, July 4th has been celebrated as the birth of American independence, with typical festivities ranging from fireworks, parades and concerts to more casual family gatherings and barbecues. READ MORE >>

Every year fireworks cause serious injuries and substantial property damage. According to the National Fire Protection Association (NFPA), fireworks start an average of 18,500 fires annually, including 1,300 structure fires, 300 vehicle fires, and 16,900 outside and other fires. READ MORE >>

Out of Memorial Day, Independence Day and Labor Day, July Fourth is the most dangerous for auto accidents, according to personal insurance auto claim data from 2012 to 2016 from Travelers Cos. The data reveals there are 7% more auto accident claims over Fourth of July and the three days leading up to it, as compared to Memorial Day and Labor Day weekends. READ MORE >>

While it's easy to get distracted by the fun in the sun, there are plenty of risks you should consider first. Across the country, many individuals are setting plans in place for the arrival of summer. From cross-country road trips to surfing at the local beach, the summer likely means more travel and outdoor expeditions. READ MORE >>

Whether you have a luxury in-ground pool, or plan to blow up an inflatable kiddie pool, it is important to consider the safety implications.  There are an estimated 7.4 million swimming pools and five million hot tubs in residential or public use in the United States, according to the Centers for Disease Control and Prevention (CDC). READ MORE >>

From old clothes to unused furniture to garden tools in triplicate, your spring cleaning has reminded you of just how much stuff you have crammed into your home. Riding your cleaning momentum, you decide to follow the example set by millions of Americans annually and host a garage sale. READ MORE >>

With spring and summer approaching, parents will convene with friends and family to decide on the kids’ activities. Summer camp, baseball, soccer, swimming lessons and many other opportunities will arise, and they all have one thing in common: someone needs to drive the children there and pick them up! READ MORE >>

As millions of Americans hit the road for their summer vacations, they’ll be looking for places to stay. The explosive growth of web/app-based home-sharing services like Airbnb has grabbed the attention of homeowners everywhere, so if you’re considering opening your home to travelers for a fee this summer, consider your home insurance policy. READ MORE >>

This spring and summer, as warm weather returns to much of the United States, parks and outdoor recreation places will once again buzz with activity. The dog parks, playgrounds, ball fields and drone parks will play host to millions of fun- and warmth-loving creatures of all kinds. READ MORE >>

There’s nothing better than cozying up to a warm fire on a cool fall night. This is especially, true when you can do so in the comfort of your own backyard. For many, having a fire pit means spending time with family, friends and (hopefully) indulging in some S’mores. How to get started? READ MORE >>

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