Homeowners' insurance policies typically insure the contents of the home for a percentage of the structure's replacement cost. But chances are your furnishings and other "stuff" haven't increased in value as rapidly as your home has appreciated over the past three or four years. As a result, you may be able to shave something off your escalating insurance premium by reviewing the inside coverage amount.
There are three main ways lightning enters homes and buildings: (1) a direct strike, (2) through wires or pipes that extend outside the structure, and (3) through the ground. Regardless of the method of entrance, once in a structure, the lightning can travel through the electrical, phone, plumbing, and radio/television reception systems. Lightning can also travel through any metal wires or bars in concrete walls or flooring.