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Does home insurance cover lightning damage?


HomeProtect buildings insurance typically covers damage caused by lightning strikes and thunderstorms. Lightning can cause a fire to start or cause electronic appliances to short-circuit and break, so lightning is certainly an important risk to be covered for by your home insurance.

Generally the UK experiences a very low level of lightning activity by international standards, with only approximately 0.46 lightning strikes per square km each year. In tropical regions, such as some parts of Brazil, the figure is as high as 300 per square km per year.

The South East of England does have a slightly higher incidence of lightning than the rest of the UK due to its warmer climate.

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