Texas wildfires: Insurance can cover home, auto damages.

Your insurance can apply if a wildfire damages or destroys your home or car.

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.
• 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.

Questions? Call the Texas Department of Insurance’s Help Line at 800-252-3439, 8 a.m. to 5 p.m. Monday to Friday.

Learn more

• Steps to getting your home or car insurance claim paid
• Recovery tips
• Working with an insurance adjuster
• How to avoid contracting scams