What does home contents insurance lightning insurance cover?
Thunder and lightning, it has been going on outside for hours. And from the looks of it, the bad weather will continue for a while. Suddenly you hear an incredibly loud bang, which sounds very close. Immediately afterwards, all your equipment goes down. The lightning strikes your home. When the power comes back on, some of the equipment no longer works. Your television, home theater set and laptop that were in the charger; all no longer work.
Are you now insured against this type of damage? And which items are and are not covered by the insurance? Alpina explains all about home contents insurance lightning in this blog.
Contents insurance against lightning strikes?
In principle, your home contents insurance covers damage caused by lightning strikes. However, a distinction must be made between two types of lightning strikes. Namely, direct and indirect lightning strikes.
Taking out household contents insurance? Calculate your premium!
Direct lightning strike
A direct lightning strike is when your home and belongings are directly struck by lightning. Lightning strikes directly, causing a short circuit throughout your home. As a result, lightning can cause damage to all items connected to the power grid. Damages to televisions, laptops, wifi routers, radios and so on are not out of the question. But damages to kitchen appliances, washing machines and dryers are also common.
Indirect lightning strikes
An indirect lightning strike occurs when another point connected to the same electrical grid is struck by lightning. Are your neighbors further down the street struck by lightning? If so, the lightning strike may affect the entire neighborhood. When you experience damage as a result, this is called an indirect lightning strike.
In most cases, insurance companies reimburse damage experienced by both types of lightning strikes. However, have you experienced damage to items attached to your home? Then this damage falls under the home insurance.
Full coverage, low premium contents insurance lightning strike
To best protect your contents, it is important that you choose the best insurance. This allows you to decide what kind of coverage you take out. Indeed, in the basic policy, you are insured against theft and fire. And depending on your insurer, stormand lightning damage are also covered. Contents such as laptops and cell phones are usually not covered by contents insurance, due to the high risk of damage. Would you like to have your laptop and cell phone insured as well? Then you usually need to take out an additional module for this.
The amount of your premium is determined by the value of your contents and your additional insurance policies. You can determine the amount of your coverage. The higher the covered value, the higher the premium you will have to pay.
Take out your household lightning insurance through Alpina: simple and affordable
Are you considering home contents insurance lightning strikes? Then take it out now through Alpina! We offer the most complete overviews of home contents insurance and support in taking them out. Always at the most competitive premiums. Do you have any doubts or questions about our home contents insurance? Then feel free to contact our customer service team. They are only too happy to answer all your questions.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here today until 6 p.m.