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Texas Department of Insurance
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July 14, 2022

Spacecraft hit your home? Insurance covers that and more.

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Does my insurance cover that?

You may have heard; NASA plans a year-long study of reported UFOs.

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.

Learn more