On the heels of devastating fires in Texas a couple weeks ago, Online Auto Insurance released a report saying that an estimated 215,500 vehicles nationwide were damaged by fire last year, which resulted in about $1.4 billion in economic losses.

And rest assured, no drivers were able to see a penny of that back unless they had sufficient insurance coverage.

OAI released the report to underscore the fact that people should have certain insurance policies in place if they live in at-risk places, but even if they don’t. No one expected a fire to roll through Texas and destroy over 1,500 homes this month, but it happened.

The report is being used to inform drivers who are buying car insurance online that getting a policy that only covers the minimum state insurance requirements is not enough.

Without a comprehensive insurance policy, drivers aren’t protected from fire, hail and water damage. And with all the weather peculiarities this year, make sure you think twice about getting additional coverage next time you get a car insurance quote.