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If the lightning struck tree falls on our covered home and damages it, your insurance will cover it. If you've just got a lightning struck tree out in te yard, then that's considered a yard maintenance issue. The tree should be removed if it poses an increased threat to your property.

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10y ago
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15y ago

Yes, most do. Just as if your TV or computer was blown out by a lightning hit, your well is covered as well- no pun intended!

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Q: Does homeowners insurance cover lightning strike on trees in yard?
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