Spacecraft hit your home? Insurance covers that and more.

But did you know home insurance would pay if a spacecraft hit your house?

Really.

In the unlikely event a spacecraft damages your home, most home policies would pay for damages. Falling objects is a “covered peril.”

Here’s what else your home policy probably covers—and doesn’t:

Damages from hail or fire are covered.
Tornado and inland hurricane damages are covered. If you live near the Gulf Coast, you’ll likely need a separate windstorm policy.
Most policies cover water damage from leaks and broken pipes, but there are exceptions. Read your policy to see what’s covered.
Most policies do not cover damage from water that comes from outside your home. You’ll need a separate flood policy.
Damages from earthquakes are not covered. Neither are termites, wear and tear, and sewer backups.