Does Homeowners Insurance Cover Lightning Damage?

Yes — lightning is a covered peril. Homeowners insurance pays for fire from a strike, and for electronics and systems fried by the resulting power surge.

By the Home & Dime Editorial Team · Updated 2026

Covered

• Fire caused by a strike.
• Fried electronics and appliances.
• Damaged HVAC and electrical systems.

Frequently asked questions

Are electronics covered?

Yes, if a lightning surge damaged them, minus your deductible.

Is a power-company surge covered?

Often excluded — strikes are covered, grid surges may not be.

Related guides

• Does homeowners insurance cover HVAC?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.