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Texas Department of Insurance
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July 22, 2022

Texas wildfire? Insurance can cover home, auto damages.

House burning


If a wildfire damages or destroys your home or car, does insurance apply?

The answer might be vital. The Texas A&M Forest Service shares that Texas has seen over 150,000 wildfires since 2005, with many threatening homes.

Some insurance tips:

  • Homeowners insurance will pay to repair or replace your home or property if it is damaged or destroyed in a fire or storm, up to the policy limits. You’ll have to pay your deductible. Damage from an explosion or smoke also is typically covered.
  • Check that the limits on your home policy match the cost to rebuild your home. Your agent can help you figure out the rebuild cost and might suggest higher limits. If your limits are too low, you’ll have to pay the extra cost.
  • If you can't stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage.
  • Your car is covered if you have comprehensive coverage. Some policies will pay for a rental car if yours is damaged.
  • Call your agent or read your policy to check details.

Learn more