Quote:
Originally Posted by keepsake
We own our place outright so we don't have to carry windstorm insurance coverage. But we do have lightning coverage in the basic homeowner policy.
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I believe most or all policies have lightning coverage in the basic homeowners policy. The problem is first, you need to make sure your dwelling coverage it correct since many are under-insured and 2) dealing with the insurance company after a large fire resulting from a lightning strike can be a major job.