Yes and No:

Yes. 
Household insurance will generally cover major lightning damage, such as
explosions, breaches, and fires caused by a direct strike, depending on your policy.
If you are in any doubt, check with your insurance company.

No.   It doesn't cover all damage.   Most policies have a deductible and if the damage is less than your deductible, you must pay for it.  A lot of insurance policies have a deductible of $500 or more.  If a lightning strike damages your VCR, chances are a replacement unit will be less than your deductible, and you will have to cover it yourself.  Also, some damage, such as damage to wiring, is difficult to attribute directly to a lightning strike and is therefore not covered.  It's up to the home owner to prove that damage or degradation occurred to the wiring.  If your home has been struck in the past and the insurance company has already covered significant claims, your premiums may go up. 


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