Independent agency since 2011 · 3111 Builder Dr, Ste 6, Lafayette, IN

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Lightning and Power Surge Damage: Is It Covered?

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Lightning bolts in a stormy night sky above the roof of a house

Originally published on our previous website in 2016. Some details, such as companies, coverage options and state requirements, may have changed since then. Call or text 765-474-2300 for current information.

We recently had lightning hit our office and it took out one of our computer stations. We had everything on surge protectors except for the one that was damaged. If you have not checked your electronics, now would be a great time to do so.

Below is a great educational article explaining surges and how to protect yourself.

https://www.angieslist.com/articles/what-electrical-power-surge.htm

Related reading: Fire Prevention Month: Home Fire Safety Checklist and Halloween Safety Tips for Homeowners and Drivers

Update (October 2026): Coverage for lightning and power surge damage varies from policy to policy, so ask us to review yours. See our homeowners insurance and business insurance pages for more.


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