Thank you for your explaination!
we have not had a fire but had an accident several years ago.
My then 2 yr old son drove the car( fully packed and ready for our trip home) into the lake, where we were vacationing in Lancaster!
Of course I had bought fabric and quilt tops and thread and well you get the idea!
His little brother was still in his car seat, both were fine!
Mom was hysterical for hours!
Ruined everthing! quilting stuff, clothes, camera ect...
well the homeowners pays for items in the car.. Luckily I had used a debit card to pay for most of the quilting things as they were not going to give me what I paid(and all the receipts were destroyed)
Learned my lesson I will pay the extra $10-$12/month to have my fabric covered!