Lightning strikes and power surges can cause serious—and sometimes hidden—damage to rental properties. From fried wiring to destroyed appliances and fire hazards, electrical damage can create major expenses for landlords. If you own property in lightning-prone areas like Florida or the Midwest, understanding your insurance and responsibilities is essential.
Not sure if you're protected? Visit our guide to storm and hail damage coverage to see what your landlord policy should include and how to prepare for severe weather events.
Does Landlord Insurance Cover Electrical Damage from Lightning?
In most cases, yes. Standard landlord insurance policies typically cover direct lightning strikes and resulting damage to electrical systems, appliances, or even fires caused by surges. Coverage may include:
- Burned or melted wiring
- Damage to electrical panels and circuit breakers
- Destroyed HVAC systems or large appliances
- Secondary fire damage caused by a surge
Check your policy or speak to your insurer to confirm limits, exclusions, and whether a separate equipment breakdown endorsement applies.
How Power Surges and Electrical Fires Happen
- Direct lightning strikes to the building or nearby utility poles
- Voltage spikes from power grid disruptions
- Inadequate grounding or surge protection in older homes
- Overloaded circuits during heatwaves or storms
These risks can be amplified in single-family homes with older wiring or outdated circuit panels. Learn more about what counts as a single family home if you're unsure about your property's risk profile.
Tips for Preventing Electrical Storm Damage
- Install whole-home surge protectors and proper grounding
- Upgrade wiring in older units to current code
- Trim overhanging trees near service lines
- Unplug major electronics during active storms
How to Document and File a Claim
- Photograph all damaged appliances, outlets, and electrical panels
- Get a licensed electrician’s report to confirm storm-related cause
- Save receipts for emergency services or temporary repairs
- Notify your insurer immediately, ideally with a timestamped weather event
Not all damage is visible—if your tenant reports flickering lights, shocks, or outlet issues after a storm, get an inspection right away.
What’s Not Covered?
- Gradual electrical deterioration from wear and tear
- Tenant-owned electronics unless you provide them
- Faulty installation or unpermitted wiring upgrades
Some policies may also reduce payouts if your property lacks modern protective systems. Review your landlord insurance policy to ensure you’re not underinsured.
Bottom Line: Lightning and Power Surges Are Serious—Make Sure You’re Protected
Don’t wait until after the damage is done to check your coverage. Whether it’s a full surge or a small spark, electrical storm damage can cost landlords thousands.
Get a quote from Steadily today to protect your rental properties before the next storm hits.
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