From a material perspective access to cash will be the most important thing if you don't have friends or family who can help out. If your wallet with credit cards and id burned down, it will be hard to book a hotel for the night or buy essential things like food or clothing. I think that's something your can prepare already now. For example by storing a credit card in a second location with people you know or at your work place.
Also in todays age where nobody remembers phone numbers anymore it might be good to try to remember the numbers of your most important contacts so you can at least contact your friends or family in case your phone is damaged.
Besides that, a digital copy of all your paperwork will help a lot down the road. Also you need to pre-declare all expensive items already before with the insurance. You can't just claim that your $50k watch collection got "lost" after the fact. It's also good to understand how the insurance will pay. Do they pay based on a % of the damages house? What happens if all of your belongings are full of smoke and not usable anymore because of it but the house is not really burned down?
> Also in todays age where nobody remembers phone numbers anymore
~7 years ago my passenger called me from jail, because he'd memorized my phone number. I went to visit, got his gmail password, tried to call a few people for him. His bail was only $300, bailed him out myself... He promptly missed his next court date. Went to the bail revocation hearing, on my birthday, 7 years ago, and got most of that $300 back.
A few years later he got mickeyed up again, didn't even realize there was a warrant out for his arrest. I went to his hearing, judge was like, "you've really pulled yourself together... But I have to do something..." Think it was a few weeks in jail. I sent $ to buy snacks, he sent me a postcard (which I still have), which said how meaningful it was to have someone on the outside who cared enough about him to send $. He seems to be doing well now.
I consider it very important to have my important phone numbers memorized, on account of this story.
Besides that, a digital copy of all your paperwork will help a lot down the road. Also you need to pre-declare all expensive items already before with the insurance. You can't just claim that your $50k watch collection got "lost" after the fact. It's also good to understand how the insurance will pay. Do they pay based on a % of the damages house? What happens if all of your belongings are full of smoke and not usable anymore because of it but the house is not really burned down?