The answer here is maybe, in general most homeowners policies cover surges and damage caused directly by lightening but this may only apply to a direct or obvious strike. Coverage can vary for surges caused by less direct factors or may not be covered at all. It's best to check your specific coverage with your insurance company.
Even if your insurance does cover actual losses remember to consider the downtime involved with replacing items and the potential losses for data and stored memories that may not be able to be recovered.