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Everyone knows fireworks can be fun, especially this time of year, but a lot of people don’t take into account the negative repercussions those pyrotechnic devices can bring.

The first problem: They're illegal in New Jersey as well as in many other states. If you’re caught selling, owning or using fireworks within a state in which they’re illegal, you’ll undergo certain penalties determined by that state.

Besides the legal aspects, you run the risk of someone getting hurt or property being damaged as a result of using fireworks. A few people setting off fireworks in your backyard for summer fun could result in damage to your home, damage to your neighbor’s home or someone in the vicinity being seriously injured.

If such instances occur, you could be liable for repairs, medical expenses or even attorney fees to defend yourself in a personal injury lawsuit case. That, in effect, means that there are a number of things at stake including:

• Your savings
• Your investments
• Equity in your home
• Equity in your business
• A portion of your future earnings

The Bottom line: Most illegal activities are not covered by insurance and can cost you a lot of money if something goes wrong.

For fireworks lovers living in states in which they’re illegal, you cannot get insurance coverage for this unless you have a pyrotechnic operator’s license. But even with that license, coverage is likely will be very expensive.

If fireworks are legal in your state, you should look at your home insurance and personal umbrella liability policy exclusions very carefully, as coverage may still not be there for you.

Fireworks fans need to beware.