Insurance companies don’t use the phrase “act of God”. In fact, you won’t find the words “act of God” in any home insurance policy in Canada. Instead, insurance companies use the word “perils” to describe events that are covered and “exclusions” for events or situations that aren’t. Perils and exclusions are specifically listed in your insurance policy. You can purchase coverage for certain exclusions as an add-on to your policy called an “endorsement”.
Damage caused by many natural catastrophes that people like to call “acts of God” such as hail and high winds is covered by your home insurance. So, if lightning strikes, your insurance has you covered.
To find out more about what is and isn’t covered by home insurance, please refer to the All about Home Insurance brochure.