Lightning is one of the standard named risks or perils in most homeowners insurance policies, double check yours to be certain it’s listed, and one that has seen its claims rise in recent months. With the rise in claims, it’s important to double check what is considered lightening damage and what is typically covered.
As a named risk or peril, it’s treated just like theft, fire, smoke, and wind damages for your structure/dwelling and property. What about personal property such as electronics? Again, personal property is covered but you need to prove that the damage was caused by lightning and not something else (user error).