Does OUTsurance cover lightning damage?

Does OUTsurance cover lightning damage?

We’ll cover all your home contents against theft, intentional damage, as well as damage caused by a power surge or a burst geyser. Plus, damage due to fire, lightning storm, hail and flood.

Is my fridge covered on home insurance?

Your homeowners insurance policy covers much of your personal property, including large appliances, from specific perils like theft, fire or damage from a storm. This typically includes protection for your refrigerator, which can be a costly appliance to replace or repair if it is damaged.

What is not covered under homeowners insurance?

What is not covered? Destruction of property willfully. Damages to property due to wear and tear. Loss to property due to war.

Is my kitchen covered by contents insurance?

Insurance policies usually consider fixtures and fittings (for example a fitted kitchen or a bathroom suite) as buildings, while carpets are usually covered under contents insurance.

Can I claim for my sofa on my house insurance?

If you have full accidental damage cover, you can claim on your home insurance to repair or replace a damaged sofa. This is for things like spilling a cup of coffee on a cream suite.