Meteorite insurance: are you covered? - WECT TV6-WECT.com:News, weather & sports Wilmington, NC

Meteorite insurance: are you covered?

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(AP Photo/NASA/JPL-Caltech). This image provided by NASA/JPL-Caltech shows a simulation of asteroid 2012 DA14 approaching from the south as it passes through the Earth-moon system on Friday, Feb. 15, 2013. (AP Photo/NASA/JPL-Caltech). This image provided by NASA/JPL-Caltech shows a simulation of asteroid 2012 DA14 approaching from the south as it passes through the Earth-moon system on Friday, Feb. 15, 2013.

WILMINGTON, NC (WECT) – With asteroids and meteors in the news, you may be surprised to learn that if a meteorite hits your house, your insurance may cover the damages.

Rob Cutting from State Farm Insurance said damage from space debris is classified as "falling objects" and is covered under a standard homeowner policy.

If your car takes a direct hit, this is also covered under a comprehensive auto policy.

Comprehensive coverage, under many policies, includes losses due to missiles, falling objects, windstorm, hail, fire, explosion, earthquake, water, theft, vandalism, riot, or being hit by a bird or animal. Falling objects aren't covered by collision coverage.

Cutting said he never had a claim filed for a house or car struck by a meteor.

Claims are handled on a case-by-case basis.

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