Garage fire

I am very, very for the loss of your father. You are a strong person and you will carry on. About your property loss: Homeowners insurance hardly ever covers vehicles that are inside and destroyed by fire. Usually they cover the structure @ about 50% of its replacement value. You would have been covered if the garage was Under a business name separate from homeowners insurance. Then you would have to have commercial policy along with safety protocols. Not worth it. MY garage is on my homeowners policy and if it burns to the ground I get $5k for structure and contents. BFD. Everyone assumes risk with a hobby garage and it comes down to how much risk you can take. Again, my deepest sympathy, good luck, Tom