What does the contents insurance cover against lightning?
Thunder and lightning, it's been going on outside for hours. And it looks like the bad weather will continue for some time. Suddenly, you hear a very loud bang, which sounds very close. Immediately afterwards, all your equipment breaks down. The lightning appears to have struck your home. When the power comes back on, it appears that some of the equipment no longer works. Your television, home cinema set and laptop, which were all in the charger, 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.
Home contents insurance against lightning?
In principle, your household contents insurance covers damage caused by lightning strikes. However, a distinction must be made between two types of lightning strikes. Namely the direct and the indirect lightning strikes.
Direct lightning strike
A direct lightning strike is when your house and belongings are directly struck by lightning. The lightning strikes directly and in this way causes short circuits through your entire house. As a result, lightning can cause damage to all of the equipment connected to the power network. Damage to televisions, laptops, WiFi routers, radios and so on is not excluded. But damage to kitchen appliances, washing machines and dryers is also a regular occurrence.
Indirect lightning strikes
An indirect lightning strike occurs when lightning strikes another point connected to the same electricity network. Are your neighbours further down the street hit by lightning? Then the lightning strike may affect the entire neighbourhood. When you suffer damage as a result, this is called an indirect lightning strike.
In most cases, insurers reimburse damage caused by both types of lightning. However, have you suffered damage to items attached to your home? Then this damage falls under the building insurance.
Full coverage, low premium lightning insurance for contents
In order to protect your household contents as best as possible, it is important that you choose the best insurance. You can decide for yourself what kind of coverage you take out. 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 mobile phones are usually not covered under the contents insurance due to the high risk of damage. Would you like to insure your laptop and mobile phone 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 insurances. You can determine the level of your coverage yourself. The higher the value covered, 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.
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