Does home insurance cover lightning?

Sure, if your policy says so.

There are a lot of things that could happen. You know how people sometimes say that the odds of something happening are like the odds of being struck by lightning? Well, the thing is that things do get struck by lightning. Like houses. It happens. And when it does…yeah, yikes. Anyways – here’s the question – does home insurance cover lightning? Let’s take a look at that.

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Does home insurance cover lightning?

Typically, yes, home insurance does cover lightning strikes. (It’s usually one of those things that’s included in your coverage, but of course, you really need to read your policy to get the details.) So, if your house gets struck by lightning and then bursts into flames, you’re likely covered. It’s not something you probably wanted to think about – lightning is scary – but maybe it’s kind of comforting to know that home insurance can help you get back on your feet.

(In case you were wondering, home insurance can help cover other types of storm damage as well, though it probably won’t cover flooding.)

Go over a fire escape plan with your family.

It’s also really important to make sure that your family knows what to do if a fire breaks out. Create a home fire escape plan with your entire family so that everyone – kids and grown-ups alike – know what they would do and where they would go if they smelled smoke or heard a smoke detector. Once again, this probably isn’t something anyone ever wants to think about because it’s scary, but if a fire does break out, it might be less scary if everyone has a clear escape plan. (Or that’s the hope, anyway.)

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