Does Homeowners Insurance Cover Damage Caused by Airplanes?

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If an airplane or vehicle crashes into your home, having homeowners insurance can provide you with peace of mind and the financial support you need to make any necessary repairs or renovations.
But how do you know what types of damages are covered by your insurance policy?
Don’t worry, licensed insurance broker Jerry has you covered. Here’s what you should know about whether your insurance will reimburse you for damages made to your home by an airplane.

Does homeowners insurance cover plane crashes?

Standard homeowners insurance policies cover any damages made to your dwelling, property, and personal belongings due to one of the named perils listed in your policy.
While there are many common occurrences that a standard homeowners insurance policy will not cover, such as floods and earthquakes, most homeowners insurance plans will allow you to cover the cost of damages made to your home by a car accident or plane crash.
However, the way these types of accidents occur often dictates which types of insurance are triggered and which branches are held liable.
For example, if your neighbor hits your home with their car through no fault of your own, you should first expect to receive monetary compensation from your neighbor’s car insurance company before receiving anything from your insurance company.
If their payout limit is not enough to cover the cost of damages made to your home or belongings, you can file a claim with your insurance company and they will cover the additional cost of repairs.
Similarly, if your house is damaged by aircraft, there may be other insurance policies associated with the at-fault pilot or aircraft company that kick into effect first. If those don’t wholly cover the damages, your homeowner’s insurance policy should cover the damages under the “falling objects” peril.
Key Takeaway: Most standard home insurance plans will cover you in case of airplanes, but the kind of accident can affect how claims work. The plane owner’s insurance might pay you first, leaving your own insurance to pay whatever they didn’t cover.
Make sure you assess your existing insurance policies and understand your coverage plans so that you are aware of your rights and can ensure that you receive the maximum payout in the event of an accident or emergency.
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