Does Your Homeowner's Insurance Cover Meteorite Hits?

Services for Real Estate Pros Insurance NPN # 13379201

Pat posted a very good question. Insurance companies love to cover things that are unlikely to happen. Most policies are written on an "open perils" basis and cover damage to buildings caused by events not specifically excluded. Others are written on a "named perils" basis, which is the reverse, covering only things specifically mentioned. Often, those policies cover damage from objects from the sky. It's always good to check you policy.

Original content by Patricia Kennedy AB95346

Does Your Homeowner's Insurance Cover Meteorite Hits?

Today has has a lot of fascinating news, but what caught my imagination was the meteorite hit in Russia, as well as the asteroid that came withing a mere 17,000 miles of crashing into the earth. 

But the Russian hit was so interesting because there were so many citizen journalists, likely using smart phones, capturing images that we saw on the news tonight. 

And I had to ask myself, would my State Farm policy cover me if one of these rocks passed as close to Washington?  If all of my windows got blown out, or if my house was totally flattened? 

I looked at my policy.  It's a standard policy that doesn't cover floods.  It doesn't cover earthquakes.  But there isn't an exception for meteorites or asteroids. Perhaps after today, they will add another clause to exclude this coverage. 

Of course, if one does crash into my abode and I'm anywhere nearby, I'll probably be too squished to care! 


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Comments (15)

Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

Hi Frank,

I missed this post..great question..I'm checking our policy!!!

Feb 15, 2013 10:51 PM
David Cole
David Cole CPA - Orlando, FL
David Cole CPA

I've never thought of this before

Feb 15, 2013 11:06 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730
Frank, I will have to see if we are covered. When regularly have helicopters fly overhead and this would be good to know.
Feb 15, 2013 11:45 PM
Frank Laisch
Orlando, FL
"The Insurance Guy"

This question has never came up in the last 10 yrs of being in the Insurance business, there is always a first for everything

Feb 16, 2013 12:55 AM
Mark Zubek
Charles Rutenberg Realty - Indian Rocks Beach, FL
727-656-2651 Rental Manager/Broker Associate

Very good question , they probably only cover "certain" flying debris out of the sky. I am sure there is a good punch line somewhere.

Feb 16, 2013 12:58 AM
Frank Laisch
Orlando, FL
"The Insurance Guy"

Thanks Mark. Its covered unless you live in Pinellas county, then all bets are off. Just kidding. good comment

Feb 16, 2013 01:46 AM
Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional
Charles Rutenberg Realty - Clearwater, FL
Palm Harbor, Dunedin, Clearwater, Safety Harbor

Leave it to Pat Kennedy to think of that one! She makes a good point and you are indeed the person to enlighten us on what policies can and should say.

Feb 16, 2013 02:17 AM
Frank Laisch
Orlando, FL
"The Insurance Guy"
Thanks Barbara-Jo, I had never never even thought of that question before
Feb 16, 2013 03:20 AM
Charles Stallions Property Manager
Charles Stallions Real Estate Services - Pace, FL
Pensacola, Pace & Gulf Breeze Property Management

People standing around taking pictures, what are they thinking?

Feb 16, 2013 07:23 AM
Silvia Dukes PA, Broker Associate, CRS, CIPS, SRES
Tropic Shores Realty - Ich spreche Deutsch! - Spring Hill, FL
Florida Waterfront and Country Club Living
Frank, I'm fully expecting a letter from our insurance company informing me that particular peril is excluded! ;-)
Feb 16, 2013 09:15 AM
Frank Laisch
Orlando, FL
"The Insurance Guy"

Charles, that is my same thought.

Silvia, your probably right, I think the odds are better at winning the lottery than being hit by a meteorite. about 1 in 7,000,000,000

Feb 16, 2013 07:53 PM
Amy Stockman
Lakeridge Land Suveying & Mapping, LLC - Winter Garden, FL
Lakeridge Surveying

Frank, I think i'd rater win the lottery that get hit by one of those. I like my odds

Feb 16, 2013 10:23 PM
Sabrina Schirmer
National Insurance Solutions, LLC - Winter Haven, FL

although it can happen. this does not sound like something that happen too often.  but it is always good to be sure

Feb 17, 2013 11:04 PM
Sabrina Schirmer
National Insurance Solutions, LLC - Winter Haven, FL

although it can happen. this does not sound like something that happen too often.  but it is always good to be sure

Feb 18, 2013 12:02 AM
Sandy Shores FL Realtor®, Melbourne Real Estate
M & M Realty of Brevard Inc. - Melbourne, FL
Brevard County Real Estate, Florida's Space Coast

Frank, This is a great post by Pat. It's something that we never think about, I suppose... until perhaps it's too late.

Feb 28, 2013 07:35 AM

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