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Do you have meteor insurance?

February 20th, 2013 by John Kirchner

2013 Chelyabinsk meteor trace

Homes are built to endure rain, snow, wind, lightning, hail, floods, hurricane and tornadoes. Homeowners insure their property in the event any of these natural events should result in costly damage.

But what happens when a home is damaged by a meteor?

CNNMoney.com examined the issue after a meteor streaked through the atmosphere and exploded in the Chelyabinsk region of Russia, leaving more than 700 injured and more than 300 buildings damaged. Thought an event like the one in Russia might only occur once every century, it’s still a reasonable question.

Luckily, the answer is what you might expect: “Your insurance covers falling objects,” said Robert Hartwig, president of the Insurance Information Institute. That should help your clients sleep at night!

Though more than 40 tons of space debris collide with earth each year, the terrestrial objects are usually no bigger than a dust particle. More common is a “blue ice,” a rosier term for waste deposited from airplanes mid-flight.

[Photo courtesy of Wikimedia Commons]



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