Does Homeowners Insurance Cover Lightning Strikes? 
Some carriers do have this type of coverage . Depending on the damage . The structure usually is covered but your electronics that might of been damaged because the lightning surge fried your tv computers and ect may not be covered . That would fall under equipment breakdown coverage . many carriers offer this and or have it included in the policy . It is very important to read through your policy there are some that have exclusions for this type of coverage . I recommend you talk to your agent or carrier direct to see what is the definitions that are in your policy your agent should of explained your coverage 's . Hope this helps 