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Understanding Homeowners Insurance Coverage for Lightning Damage: If lightning strikes your home, it can cause significant damage and pose a danger. Fortunately, lightning is among the hazards covered by a home insurance policy. Typically, damage caused by lightning is included in your homeowners insurance coverage. Bur, be sure to keep all receipts to submit them to your insurer.
Dwelling: This coverage assists in rebuilding or repairing your home if lightning damages its structure.
Other structures: The coverage includes any loss due to lightning affecting detached structures on your property.
Personal property: Your personal belongings at home are protected if they are damaged, including any fire or smoke damage resulting from lightning.
Additional living expenses: Should your home become uninhabitable due to a lightning strike, this coverage will compensate you for the cost of finding alternative accommodations, up to the coverage limit.
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