Does Renters Insurance Cover Lightning Damage?

  1. 100 POINTS
    Tom Shallue
    Insurance Agent, Liberty Mutual Insurance, Central Texas
    Yes. If a lightning strike started a fire at the property you're renting and your personal belongings were destroyed, then your renters  insurance policy would cover your belongings up to the policy limits. Just be sure you have enough "personal property" coverage to replace all your belongings. I hope this answers your question.
    Answered on March 26, 2014
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