Home Insurance Guide

Does home insurance cover lightning and power surges?

Written by Chloe Adams Managing Editor Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 26 July 2026 Our editorial standards →

Does home insurance cover lightning and power surge damage?

Lightning damage to your home and appliances is usually covered under buildings and contents insurance. Power surges - including surges when the electricity comes back after load-shedding - may be covered as standard, offered as an optional add-on, or limited, depending on the insurer. Because surge claims have risen sharply in South Africa, check exactly how your policy treats them.

Key takeaways

Direct lightning strikes are a standard covered peril.
Power-surge cover for appliances varies - standard on some policies, an add-on on others.
Load-shedding surges have made this one of the fastest-growing home claims.
There is often a limit per item or per claim for surge damage.
Surge protection on your DB board can reduce risk and support a claim.

Lightning vs power surge

A direct lightning strike that damages your home or its wiring is a standard insured peril. A power surge - a sudden voltage spike that fries electronics - is related but treated separately by many insurers. Some include surge cover automatically; others make it optional or cap the payout.

Load-shedding and surges

Surges when power is restored after load-shedding have driven a wave of claims for TVs, fridges, routers and gate motors. Insurers have responded by adding limits, higher excesses or maintenance conditions. Read the surge section of your policy carefully so you know what you can claim.

How to protect yourself

Fitting surge protection at the distribution board and on sensitive electronics reduces the chance of damage and demonstrates reasonable care. Keep proof of purchase for expensive appliances so replacement claims go smoothly.

Frequently asked questions

Does home insurance cover appliances damaged by load-shedding?

Often yes, if your policy includes power-surge cover - but many insurers apply limits, a specific excess or conditions. Some treat surge cover as an optional add-on, so confirm before you rely on it.

Is a lightning strike covered?

Yes. A direct lightning strike is a standard insured peril under buildings and contents cover, including damage to wiring, the structure and connected appliances.

How can I reduce power-surge damage?

Install surge protection at your DB board and use plug-in surge protectors for expensive electronics. This lowers your risk and shows the insurer you took reasonable precautions.

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