Does home and contents insurance cover spy satellites tumbling out of orbit and landing on your house?

Question

Does home and contents insurance cover spy satellites tumbling out of orbit and landing on your house?

Answer 1

Only if you house has a big red target on its roof!

Answer 2

It is covered but you have got to be thinking way beyond that. When you sell your story to the National Enquirer you will have enough money that you won't have to worry about an insurance settlement.

If I were you I would start thinking of some clever sound bites now. You don't want to sound like some doofus when the big day arrives. Be ready to be cool.

Answer 3

It would depend on what policy form you purchased but -

if you had a standard homeowners policy - most  likely it would be a covered loss.

The homeowners policy does cover falling objects -- and that's what a spy satellite falling from the sky is. However, it does exclude acts or decisions - including failure to act of any government body.

The contents section of most policies is named peril. There is a peril for falling objects. In order for contents inside the home to be covered - the falling object has to create a hole in the structure.

The contents section also has a named peril of "Aircraft" which is defined as "This includes self propelled missiles and spacecraft."

Although it really depends on the language in your policy - I suspect that most standard homeowners policies would provide coverage for this loss.

Answer 4

I don't want to sound like your insurance agent but it all depends upon your policy. Read....Your.....Policy. This will help you in a variety of different ways. The first thing you will realize is the policy is more concerned about what it doesn't cover rather than what it does cover. Of particular interest you should read carefully is the section regarding acts of god. That usually includes hurricanes, tornado's,and such. A quick response without reading your policy would be that a satellite falling from the sky does not involve an act of god. But your policy will define what constitutes an act of god. Read it carefully and then call your agent regarding any questions which you are unsure. Better to be safe than sorry. Have your policy number available and of course your premiums are up to date. Good luck..........

Answer 5

Act of God. (Or the U.S. Government...same thing!?!)

Answer 6

thanks for the laugh . no

Answer 7

Only if you added the special satellite rider coverage.