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[Display omitted] • The free switch of passive radiation cooling and solar thermal conversion is realized. • An average temperature drop of ∼5.62 °C is achieved under the hot environment. • A temperature increase of 28.3 °C is achieved under the cold environment. • The fire hazards of materials designed are suppressed significantly. Seasonable and spontaneous replacement approach of daytime radiative cooling to solar thermal conversion is challenging yet imperative for year-round thermal management materials. Meanwhile, the fire safety of thermal management materials is extremely important but often overlooked. Herein, we report a bio-inspired and fireproof aerogel presenting dynamically self-switchable ability of daytime radiative cooling and solar thermal conversion, composed of thermochromic microcapsules (TC), boron nitride nanosheets (BN), and bio-based materials (alginate and phytate). In hot environments, TC/BN composite aerogel shows solar reflectivity of 91.8 % and IR emissivity of 84.3 %, promoting heat radiation to outer space and achieving an average temperature drop of ∼5.62 °C. Attributed to the thermochromic mechanism, TC/BN composite aerogel can harvest visible light of 87 % in the solar spectrum to increase the material temperature by 28.3 °C, under an environment of −8.8 °C. Based on the EnergyPlus simulation, the employment of TC/BN composite aerogel contributes to decreasing the energy consumption of buildings in both hot and cold regions, including Cairo, Singapore, Alaska, Yakutsk, and so on. Besides, the peak values of heat release rate and total heat release during the combustion of TC/BN composite aerogels are significantly decreased by 70.6 % and 58.4 %, compared to those of TC composite aerogel. The produced protective char layer enhanced by BN nanosheets is capable of isolating the fire and suppressing the fire propagation, improving the fire safety of composite aerogels designed. The TC/BN composite aerogels provide a smart thermal regulation mode for radiative cooling and solar heating, overcome the problems from changing weather and environment, and significantly promote the practical application by enhanced fire safety. [ABSTRACT FROM AUTHOR]