What kind of insurance would cover damage due to lightning?

Homeowners insurance typically covers a wide range of perils, including damage caused by lightning strikes. This type of insurance is designed to protect a homeowner's property and belongings against various risks, including fire, theft, and natural disasters, which often encompass damages resulting from lightning.

In the case of lightning, it may cause direct damage to the home, such as fires or electrical surges that can damage appliances and electronics. Homeowners insurance is structured to provide financial protection against these risks, making it the appropriate choice for coverage related to lightning damage.

Other types of insurance, like general liability, health, and automobile insurance, do not cover property damage resulting from natural disasters like lightning strikes. General liability insurance addresses injuries or damages to third parties resulting from one’s business activities, health insurance focuses on medical expenses, and automobile insurance is dedicated to vehicles and their specific risks. None of these would provide coverage for home property damage due to lightning.