does renters insurance cover lightning damage to electronics

[VanElijah]

Based on general insurance knowledge, as the provided context was not helpful, I can certainly answer your question.

Yes, renters insurance typically does cover damage to electronics from a lightning strike. It's a great question because it highlights one of the key benefits of having a policy.

In most standard renters insurance policies, lightning is listed as a "covered peril." This means that if a lightning strike or a resulting power surge damages or destroys your personal property, including electronics like your computer, television, or gaming console, your insurance is there to help cover the cost of repair or replacement.

Of course, there are a couple of things to keep in mind. You will have to pay your deductible first before your coverage begins. Also, your policy has a coverage limit for personal property, so you'll want to be sure you have enough coverage for all your belongings. For the most accurate information, it's always a good idea to review your specific policy documents or have a friendly chat with your insurance agent to understand the exact details of what your plan covers.