Does home insurance cover meteors?

Believe it or not, home insurance generally covers meteors that smash into your house.

Space stuff is cool. Asteroids are cool. Comets are cool. But when a meteor crashes to Earth, what happens if it crash lands into your house? Does home insurance cover that? Okay, it might seem far-fetched, but let’s think about it. Like we said, space is cool.

Does home insurance cover meteors?

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The answer to the question of whether home insurance covers meteors might surprise you, but indeed – home insurance would generally cover a meteor that smashes into your house. That’s because one of the perils that home insurance covers is “falling objects” – and that typically would include a meteor.

Now, usually when we say that home insurance covers “falling objects”, we’re talking about, like, trees or something. But it’s cool to know that even random, destructive meteors can be covered by your policy. Home insurance is prepared for a lot of weird scenarios that you might not have thought about. Including meteors.

Anyways, if a meteor sees your house and decides that that’s a great place to crash into, you’re most likely covered by your home insurance.

What about my car?

Okay, so let’s say that meteor smashes to Earth and takes out your car. You could be covered for that if you have comprehensive coverage for your vehicle. (Comprehensive coverage generally covers losses like fire, theft, vandalism, animal strikes, and falling objects.) Note – if you have a car payment, your lender may require you to carry both collision and comprehensive coverage.

So, the downside is that your car would be squashed. The upside, though, is that you’d have a pretty cool story to tell, right?

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