Ah, summer—the season of sunshine, flip-flops, and turning your backyard into a smoke-filled arena of culinary ambition. But before you crown yourself Grill Master of the Galaxy, let’s talk about what could go wrong (and how insurance can help when it inevitably does).

That tiny flare-up? Now your eyebrows are optional.
That “just a little propane” moment? Boom—your patio umbrella is on its way to Oz.
That uncle who insists on lighting the grill with starting fluid? He’s a liability—literally.

Homeowners insurance can cover grill-related mishaps like accidental fires or injuries. Pro tip: it doesn’t cover your pride if you burn the steaks. And if a guest trips over your garden gnome during a hot dog duel, liability coverage may help with medical costs (but not emotional scars).

So before you fire up that meat machine:

• Keep the grill 10 feet from the house.

• Don’t light it with a tiki torch.

• Know your coverage in case the bratwurst bites back.

Because nothing kills a BBQ vibe faster than explaining fire damage to your insurance agent—while holding a charred spatula and a well-done lawn chair.