Does Homeowners Insurance Cover Lightning Damage? 
Yes . For a house there are three basic levels of coverage you can have , HO-1 , HO-2 or HO-3 , which translates to basic , broad and special forms . In the most basic of forms , an HO-1 , there are usually eleven listed perils , one of them being lightning damage . More often than not an agent will place you under a HO-3 form , which is the special form . This provides the most coverage . However , even if your agent placed you with an HO-1 you will still have protection against lightning , unless for some reason it was specifically excluded . So for good measure review your policy just in case . 