A tree about 30 feet from my house was struck with a very powerful bolt that was heard by people for miles around. The tree was just a big pile of kindling...it exploded! TV sets, VCRs, microwave ovens, computer modem, control panel on the refrigerator, etc. all got fried, but homeowners paid "replacement value" for everything. However, there was also some damage to landscape features (the juice came in underground) and the foundation, so the insurance company was clearly involved. Interestingly the audio system was completely unaffected, except that my FM tuner lost its station memory, and had to be reprogrammed.
It seems strange that the speakers were affected rather than electronics, but lightning does strange things.