Whether building a new home, remodeling an existing home or even repairing a home that has been damaged, a lightning protection system can be a worthwhile investment, according to the Insurance Information Institute (I.I.I.).

Damage caused by lightning, such as fire, is covered by standard homeowners insurance policies; and some policies provide coverage for damage from power surges that are the direct result of a lightning strike.

“Lightning losses were $790 million in 2015 and the average cost per claim rose 64 percent from 2010 to 2015,” explained Loretta Worters, a vice president with the I.I.I. “The $3,000 or $4,000 it will cost to install a lightning protection system could prevent a deadly house fire and save on costly repairs,” she added.

The growing market for smart home technology makes installing a lightning protection system even more important, noted the I.I.I. It is also an opportunity for designers, builders, and code officials to include lightning protection systems in their plans.

“Just as smart homes provide the ultimate in safety and comfort, lightning protection systems ensure that state-of-the-art home automation systems aren’t damaged by direct or nearby lightning strikes,” said Kimberly Loehr, director of Communications for the Lightning Protection Institute (LPI). “Lightning’s harmful surges can damage these internal building systems, which can be quite expensive to restore.”

In recognition of Lightning Safety Awareness Week (June 19–25), the I.I.I. and LPI remind homeowners that good lightning protection begins with using materials and installation methods that comply with national safety standards.

A lightning protection system does not attract lightning, a common misconception, noted the LPI. Lightning will strike a location whether there is lightning protection in place or not. A lightning protection system directs the harmful current from a lightning strike to the ground, leaving the structure and its contents undamaged.

“Keep in mind lightning protection system design and installation is complex and not a do-it-yourself project,” said Loehr. “Installation is not typically within the scope of expertise held by general contractors, roofers or even electricians–which is why the work is typically sub-contracted out to specialists.”

Always hire an LPI-certified expert who specializes in lightning protection and utilizes UL-listed components and equipment to install your system, and make sure the materials and methods comply with national safety standards. Use the LPI’s “Find An Installer” tool to locate an LPI-certified lightning protection system installer in your area.

“If you contract to install a lightning protection system, keep the receipt and let your insurance professional know about this improvement. That will ensure it is included in the cost of rebuilding your home should a disaster occur,” said Worters. “It may even help reduce your insurance costs.”

Read Other Blog Posts

Umbrella Insurance

Understanding the Importance of Umbrella Insurance: Why It’s Worth Considering

Most of us already have auto, home, and life insurance—but what about an umbrella policy? While it may seem like extra coverage you don’t need, an umbrella policy can provide crucial protection that goes beyond the limits of your existing insurance. It’s designed to safeguard your assets and give you added peace of mind when life’s unexpected situations arise.
What to Do When Ice Dams Form A Practical Guide for New England Homeowners

What to Do When Ice Dams Form: A Practical Guide for New England Homeowners

Ice dams can form quickly during New England winters and lead to leaks, interior damage, and costly repairs. Learn what causes ice dams, the early warning signs to watch for, and the safest steps to take if one has already formed. This guide also shares simple prevention tips to help protect your roof and home throughout the winter.
Carbon Monoxide Safety for Your Home and Your Vehicle

Carbon Monoxide Safety for Your Home and Your Vehicle

Carbon monoxide is a silent winter danger that can affect anyone, whether you’re at home or sitting in your vehicle during a storm. Heavy snow, blocked vents, and improvised heating sources can cause CO to build up quickly without warning. This guide explains the most important do‑nots, safer alternatives, and key precautions to help protect your household, your passengers, and your neighbors during severe winter weather.
Black History Month Contributions in the Insurance Industry

Honoring Black History Month: Contributions in the Insurance Industry

Honoring Black History Month by highlighting the pioneering Black leaders and entrepreneurs who shaped the U.S. insurance industry. Learn how their efforts expanded access to coverage, promoted financial literacy, and strengthened communities through economic empowerment and generational wealth building.
Life Insurance Love Insurance

Love Insurance: How Life Insurance Can Be the Best Valentine’s Gift

This Valentine’s Day, celebrate love that lasts. Discover how life insurance, or love insurance, can protect your family and provide peace of mind beyond flowers and chocolates.
Shoveling snow

Snowmelt Damage Prevention Tips

Accumulating water from melting snow and ice—also known as snowmelt —can lead to significant property damage if not managed. It's important to be aware of this risk and take measures to prevent issues. Don’t let snowmelt wreak havoc on your home. Review guidance for snowmelt damage prevention recommendations.
Side-view mirror

The Defensive Driving Process

To be a defensive driver, it’s important to follow a three-step process: see hazards, determine potential responses, and act in time. Driving in Massachusetts means navigating heavy traffic, narrow roads, construction zones, and unpredictable New England weather. Defensive driving helps local drivers anticipate hazards, reduce accident risk, and protect their auto insurance record.
Be Ready for Severe Winter Weather Snowstorms, Ice, and Extreme Cold

Be Ready for Severe Winter Weather: Snowstorms, Ice, and Extreme Cold

Severe winter storms can bring heavy snow, ice, and extreme cold. Learn how to prepare your home, protect your vehicle, prevent frozen pipes and power outages, and take practical steps to keep your family safe during harsh winter weather.
Chimney

Chimney Maintenance Is Essential

A well-maintained chimney is essential for keeping your home safe, as neglected chimneys are a leading cause of fireplace-related fires and carbon monoxide issues. With an estimated 20,000 chimney fires occurring each year in the U.S., routine inspections and cleanings play a critical role in reducing creosote buildup and preventing costly damage. By making chimney care part of your annual home-maintenance plan, you’ll protect your property and ensure your fireplace operates safely all season long.

Visit Our Homeowners Insurance Page

Homeowners Insurance

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure that you receive the most favorable value. Our dedication to serving you entails collaborating with highly-rated insurance providers and conducting comprehensive assessments of available choices. Our goal is to achieve the ideal equilibrium between affordability and coverage that suits your unique needs. Please let us provide you with a customized homeowners insurance quote.