Does Homeowners Insurance Cover Meteoroids Hitting Your Home?
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Earlier this year, a man in Sumatra, Indonesia, was extremely surprised when a meteorite crashed into his home. While the event left his house with some light damages, the incident brought more fortune than suffering since the meteorite turned out to be worth nearly $2 million.
We're not all so lucky. In other cases, such an incident might leave you with severe damages and no reward. And, if that's the case, would your insurance be able to help?
What's Covered in a Standard's Homeowners Insurance Policy
Any standard homeowners insurance policy should have a line item that protects your property against "falling objects." Most of the time, this specific part of the policy tends to be enacted by falling trees and other more mundane objects. However, the truth is that it should cover any falling objects, whether it falls from a few feet away or from space.
Depending on the limit of your policy, you should be covered against an array of damages, not just the external ones. So, if the meteoroid crashed into your home and damaged some personal property, like your TV, for example, the insurance company should also cover these costs. In the unfortunate event that a guest gets injured in the process, the liability clause of your insurance should help cover their medical costs as well.
One thing to take into account is that, for the most part, insurance companies cover direct hits—meaning damages that are an immediate result of the meteoroid crashing into your home. If, on the other hand, your house suffered some second-hand damages by the meteoroid crashing near your home, you might have a hard time getting your insurance to cover the repairs.
While this is some general advice, remember that coverages can vary depending on the state you reside in and your specific insurance company. So, if you have any specific questions about your coverage, your best resource should be an insurance agent.
What to Do Before Contacting Your Insurance Company
If a meteoroid has crashed into your home, leaving you with considerable damage, the first thing that you need to do after an incident like this is to take pictures. Your insurance company will appreciate this, and it'll facilitate you getting the coverage you need.
Depending on the damage, you might also need to work on a temporary fix. If left unattended, certain damages can bring even more damages to your home (like a hole in a roof or window might bring water damage into the house). When this is the case, insurance companies might refuse to cover these extra damages since they could have been prevented.
What Can You Do to Protect Your House Against Meteoroids?
The truth is that besides reinforcing windows and roofs, there is not much that you can do to protect yourself against objects falling from the sky. However, there is no reason to stress. These events are not at all common. So, instead of worrying, find reassurance in the fact that your homeowners insurance policy should be able to help you if you need it.