lightning insurance

Does My Insurance Cover Lightning Damage?

It’s National Lightning Safety Week! During the summer, hurricanes, thunderstorms, and lightning can all wreak havoc. Does insurance cover lightning strikes? While it may not be a disaster that comes to the top of your mind, it’s important to think about it! You may be surprised about what is, or is not, covered by your insurance. You can also take measures to help prevent damages from occuring.

Does Home Insurance Cover Damage from Lightning?

Lightning strikes are notorious for damaging appliances and electronics. Not to mention the potential to start a fire, cause damage to a home’s structure, and even injure occupants! Luckily, most homeowners insurance policies cover lightning strikes. Your home insurance can help cover things like:

  • Damages to your dwelling
  • Damages to other structures on your property
  • Replace personal property
  • Additional living expenses if your home is inhabitable
  • Damage caused by power surges
Call us at 413.475.283
Complete our online quote form today

Make sure to talk to your insurance agent about the coverage limits on your policy. This is the upper limit of your insurance coverage. You’ll also want to ask about personal property insurance. You can try to mitigate some of the damages caused by lightning strikes by using surge protectors and unplugging electronics that aren’t protected by a surge protector when a storm is nearby. Don’t forget to take a home inventory before the storm hits. This way, you’ll have a record of the items in your home and their value.

Does Auto Insurance Cover Lightning Strikes?

Does my auto insurance cover lightning strikes? While it’s rare for cars to be struck, it can still happen. The type of auto insurance you have will dictate if you are covered:

  • If you only have general liability insurance for your car, you may be out of luck when it comes to damages caused by lightning. Liability coverages help cover damages you cause to other vehicles, but not your own. So, if your car gets hit by lightning, you may have to pay for the damages out of pocket.
  • Collision insurance helps cover damages that happen in an accident, even if you are at fault. However, in this case, damage is not caused by an accident, you may have to pay out of pocket.
  • Comprehensive coverage helps cover damages to your car outside of collisions, like a lightning strike.

If you have comprehensive auto insurance, talk to your agent about what to do if your car is hit by lightning. You should review your coverage limits and talk through different types of coverage for natural disasters.

Call us at 413.475.283
Complete our online quote form today

Lightning and Boat Insurance

If you store your boat on the water, there’s some chance that lightning could strike. Does your boat insurance cover lightning damage? Often, lightning damage is covered under your personal watercraft insurance policy. You can try to prevent damage by grounding your boat. And similar to home insurance, you should unplug all electronics just in case.

Speak to your insurance agent about the right coverage for your boat or personal watercraft. There are different factors that can affect your boat insurance coverage. These are factors to consider

  • Your boat’s make
  • The model
  • Where you store your boat
  • Where you plan to use your boat
  • Frequency of use

If you are ever in doubt about your coverage, give Encharter a call! Our agents can help you review coverage to help protect you from the unexpected things in life! Whether that’s your boat, car, or home, our agents are here to help!

Chat with an Encharter agent today: 413.475.7283!
Complete our online quote form

Read More