The short answer
HO-3 policies list 'falling objects' as a named peril — meteorite damage is covered subject to your deductible. Ownership of the meteorite belongs to the property owner in the US (Nakhla precedent). Damage to contents from a covered falling object is also covered.
Frequently asked
- Is a piece of a satellite treated the same?
- Yes — space debris qualifies under 'falling objects.'
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