Does Home Owners Insurance Cover Lightning?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    While you would want to check your policy, the general answer is yes. Homeowners policies cover such things as lightening, wind, hail, fire, and a host of other perils. So if lightening come in and destroys your TV, in most cases that would be a covered peril. Check with your insurance agent to find out what your Homeowners Policy covers.
    Answered on April 10, 2013
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  2. 400 POINTS
    Zachary Wright
    Owner, Wright Insurance Agency, Great Pittsburgh Area
    Most homeowners will cover lightening, but the best thing to do is read your policy. There are many different types of policies for dwelling with homeowners being just one. The policy language will specifically tell you what is and isn't covered in the event your home has a loss of some kind.
    Answered on April 11, 2013
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