While wildfires are typically covered by the basic renter's policies, there are certain cases in which a fire may not cover specific types of damage. For example, if you started a fire intentionally and the property got damaged
, that is not covered under any insurance policy and you will be liable to pay for any damage done yourself. Another situation is when damage is done to the actual building and you are a renter. Because the property is not owned by you, you as the renter will not have to use your renter's insurance to cover the damage done. This will instead be handled by the landlord's insurance policy as it is their property. If the landlord's insurance company comes after you for losses, your renter's insurer should be able to help defray the costs, as long as the fire was an accident. Furthermore, if your car gets damaged, that is not covered under renter's insurance. Your car insurance is liable for any damage done to the body of your car.