Does Home Insurance Cover Lightning Damage? 
Yes , unless specified otherwise by your contract , Lightening damage is typically included as a covered peril an Homeowners policies . Naturally , any related damage is subject to your deductible so you need to read your policy and check with your insurance professional about your particular situation . Damage to your home , electrical system , appliances and electronics are all covered under this provision . If you suffer a long term power outage as a result , be sure to ask your insurance professional about coverage for contaminated food in your freexer and or refrigerator , too . 