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Does my home insurance cover lightning?
We’re moving to an area of the state that sees a lot of thunderstorms and lightning. If our house gets damaged from it, will our home insurance cover lightning?
Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Home insurance covers lighting because lightning strikes and fires triggered by lightning are
named perils
in most homeowners insurance policies.You likely won’t have to purchase any additional coverage for your policy, and most policies won’t come with a specific claim limit. If your house is damaged due to lightning, you should be in the clear.
It’s always a good idea to go over your insurance plan regularly to make sure you’re covered against any heightened risks in your area. While going over your policy, check to see if you’re missing out on any savings by using the
Jerry
app.A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies so you don’t have to—including all of the paperwork and helping to cancel your old policy!
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