Does Home Insurance Cover Lightning Damage?
16470 POINTSview profileDavid OsgoodAgent, Rural Mutual Insurance Co., Union Grove, WIA homeowners policy will typically provide some coverage for lightning damage less your deductible up to the policy limits. Please read your policy completely to understand the coverage provided and exclusions that there may be or contact your local agent to have them go over the policy with you.Answered on August 30, 2013flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Yes, unless specified otherwise by your contract, Lightening damage is typically included as a covered peril an Homeowners policies. Naturally, any related damage is subject to your deductible so you need to read your policy and check with your insurance professional about your particular situation. Damage to your home, electrical system, appliances and electronics are all covered under this provision. If you suffer a long term power outage as a result, be sure to ask your insurance professional about coverage for contaminated food in your freexer and or refrigerator, too.Answered on August 30, 2013flag this answer
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