If you’re planning a bonfire party at your home this coming Guy Fawkes Night, insurance experts are warning home owners to ensure they have adequate cover in place in case of any accidents. According to official statistics, 6,600 people are injured every year as a result of fire work related injuries, with 50% of these being aged under 16 years of age. With this in mind, it’s vital that anyone planning to hold a firework party on their property ensures they have adequate personal injury cover as part of the home insurance policy, in case the worst should happen. It’s advisable to check the small print on your home insurance policy to make sure the level of personal injury cover is adequate as some insurers provide personal injury cover of up to £2 million, while others are much lower. If a person is injured on your property, you could be liable for a personal injury claim. If your insurance doesn’t stretch to it, could be left to cover the cost of a claim. Therefore it’s highly recommended you check your home insurance policy before throwing a Guy Fawkes night party this year.