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Lightning Insurance: Is That Even a Real Thing?

You have a 1 in 3,000 chance of being struck by lightning in Florida, Florida State University Emergency Management says.

Lightning and Florida summers go hand in hand. Over the weekend, a woman was killed by lightning in Sarasota. Lightning also hit a maintenance shed on a golf Course in Charlotte County.

You know to take cover when you see lightning.  But can you protect your property from it?

We learned that your homeowners insurance covers flooding and other weather damages like lightning, but what about your car?

We called a local insurance company in Fort Myers who told us if your car is struck by lightning, you are covered under Comprehensive Coverage. This coverage pays to repair or replace a covered vehicle that’s stolen or damaged by something other than a collision or rollover accident.

This includes damage caused by fire, wind, hail, flood, or, in this case, lightning.

So there you have it. Lightning insurance isn’t it’s own type of insurance, but it’s included in a lot of other types of insurance.

RELATED: Lightning Can Be Dangerous, Here’s How to Stay Safe

Reporting by Terrace Myles

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