Articles for category: Insurance

July 24, 2026

Captain John Wright

Renters Insurance Fire Coverage: What’s Covered

Renters insurance covers fire damage to your personal belongings and typically includes additional living expense coverage that pays for temporary housing while your unit is being repaired. It does not cover the structure of the building — that is the landlord’s responsibility under their property insurance. What Renters Insurance Covers After a Fire A standard renters insurance policy (HO-4 form) provides three types of coverage relevant to fire damage. Personal property coverage pays to repair or replace your belongings destroyed or damaged by fire, smoke, or water used to extinguish the fire. Loss of use coverage pays the additional costs

July 24, 2026

Captain John Wright

Does Car Insurance Cover Fire Damage

Car insurance covers fire damage to your vehicle, but only if you carry comprehensive coverage. Liability coverage — the minimum required in most states — does not pay for damage to your own vehicle under any circumstances, including fire. If you are unsure whether your policy includes comprehensive, check your declarations page or call your insurer before you need to find out the hard way. Comprehensive Coverage and Fire Damage Comprehensive coverage is the part of an auto policy that covers damage to your car from causes other than a collision with another vehicle or object. Fire — whether from

July 24, 2026

Captain John Wright

How to Deal With an Insurance Adjuster After a House Fire

When an insurance adjuster visits after a house fire, their job is to evaluate the damage on behalf of your insurer and determine what the policy covers. Understanding the process — and how to present your claim clearly and completely — can significantly affect the outcome of your settlement. What the Adjuster Is There to Do The adjuster’s role is to assess the scope of the damage, verify that the loss falls under a covered peril (fire is covered under virtually every homeowners and renters policy), and prepare an estimate of the cost to repair or replace what was damaged.

July 24, 2026

Captain John Wright

Will My Car Insurance Cover a Car Fire

If your car caught fire, your auto insurance will cover the damage only if you have comprehensive coverage. Liability-only and collision-only policies do not cover fire damage to your own vehicle. Comprehensive is the portion of auto insurance that covers fire, theft, hail, flooding, and other non-collision events. Comprehensive Coverage: What It Is and What It Covers Comprehensive coverage is optional in every U.S. state. Lenders typically require it when a car is financed or leased, but if you own your car outright you may have dropped it to save on premium. If your policy does not include comprehensive, a

July 24, 2026

Captain John Wright

Fire and Disaster Insurance Claims: How the Process Works

Smoke Damage Smoke damage from a covered fire is generally covered. However, smoke damage from wildfires may involve different considerations, and smoke damage from “agricultural smudging or industrial operations” is specifically excluded in many policies. Documenting the source of smoke damage is important when coverage might be questioned. Water Damage Water damage coverage under a standard homeowners policy covers water damage from sudden and accidental discharge from plumbing, HVAC, or appliances—and water used in firefighting as part of a fire claim. It does not cover flooding from external water sources. The distinction between “water damage” (covered) and “flood” (not covered