Does Home Insurance Cover Lightning Strikes? 
Generally speaking , yes , a standard `` all risk '' Homeowners policy would cover damage resulting from a lightening strike . Certainly damage to your house itself , but also that caused by the sudden electrical surge through either power or cable lines that might damage or destroy appliances or other components would all be covered under your homeowners ' policy . IN addition , if the electrical storm knocks your poer out and you arein teh dark for several days , in many cases your homeowners ' policy would also pay to replace lost food items out of your regrigeratorand freezer . 