I don’t know about you – but up until last week when I’d think of a meteor the thought that would come to my mind would be of trying to catch a beautiful display of “shooting stars” streaking through the night sky. While I’ve watched enough sci-fi movies to be aware of a perceived danger from world ending asteroids, I’ve admittedly never really contemplated the real life danger from such a phenomenon.
Granted, I was familiar with the story of Ann Hodges who was taking an afternoon nap on her couch before being rudely, “rocked” awake by a meteorite that crashed through her ceiling, hit her radio console and smashed into her hip, but I figured she was just unlucky. Now after seeing all of the photos and videos of meteor that hit Russia, it leaves me wondering what the chances are of something like this happening close to home. (Not to mention my sudden curiosity as to why so many Russian drivers have dash cams installed in their cars?!?)
While I can’t address the probability of us being struck by a meteor, I can help address who would pay for the damages should your house suddenly be rocked by a meteor – or a more likely case of “blue ice” for that matter.
Standard homeowners insurance polices provide coverage for falling objects – including satellites, asteroids, meteors and space debris when the falling object causes to the structure of the home, as well as to property or belongings damaged within the building.
If a satellite, meteor or asteroid falls on your car, coverage is provided under the optional comprehensive portion of a car insurance policy. And if falling debris causes an auto accident, the liability portion of the policy would come into play.
In the tragic event that space debris were to strike a person, his or her injuries would be covered under health insurance and, in the event of a death, existing life insurance policies would kick in.
So, even when the sky seems to be falling, insurance can provide peace of mind.
Contact me if you would like to be discuss your home insurance so we can be sure you have the proper coverage in place for life’s next phenomenon.