Does Homeowners Insurance Cover Lightning Strikes?

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   Brenda Hanson

   Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana

   Some carriers do have this type of coverage. Depending on the damage . The structure usually is covered but your electronics that might of been damaged because the lightning surge fried your tv computers and ect may not be covered. That would fall under equipment breakdown coverage. many carriers offer this and or have it included in the policy. It is very important to read through your policy there are some that have exclusions for this type of coverage. I recommend you talk to your agent or carrier direct to see what is the definitions that are in your policy your agent should of explained your coverage's.  Hope this helps 

   Answered on October 1, 2013

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