Aliens, Asteroids, and Acts of God: What Does Insurance Actually Cover?

Let’s say a UFO crash-lands in your backyard, or an asteroid punches a hole in your roof—would your insurance cover it?

Okay, maybe not the most likely scenarios… but here at Quick Insurance, we hear plenty of “what ifs,” and we love helping clients in Port Jervis, NY and throughout Orange County understand what their policies really cover—especially when things get weird.

So let’s break it down: what happens when life throws you something totally unexpected?

What Is an “Act of God” Anyway?

In insurance terms, an Act of God refers to a natural event that’s out of human control—things like:

• Lightning strikes

• Earthquakes

• Tornadoes or hurricanes

• Floods

• Wildfires

Depending on your policy, these might be covered, excluded, or require add-on coverage. For example:

• Home insurance usually covers wind, fire, and lightning

• Floods and earthquakes are often excluded unless you have special coverage

• Your car’s comprehensive coverage might pay for a falling tree—but not if you only have liability

So, no—you’re not covered for a zombie apocalypse. But that fallen meteor? That might actually be a yes (if it damages your home or car and you’ve got the right policy).

What About the Truly Weird Stuff?

Let’s get into some real-life inspired oddball claims (yes, these happen):

• 🚗 A deer crashes through your windshield – Covered with comprehensive auto insurance

• 🧯 Your grill explodes during a BBQ – Covered under home insurance (if accidental and not due to neglect)

• 📦 Your neighbor’s trampoline flies into your siding – May be covered under their liability, or yours if you share ownership

• 🔭 A meteorite damages your roof – Surprisingly, yes! That’s usually covered under standard homeowners insurance as a “falling object”

We may laugh, but these strange scenarios help expose gaps in your coverage. That’s where we come in.

The Importance of Reviewing Your Policy (Even If Aliens Don’t Land)

At Quick Insurance, we work for you, not the insurance companies. We’re here to decode the fine print, help you spot risks you hadn’t thought of, and make sure your policy fits your real life—even the weird parts.

Serving Port Jervis, Orange County, and surrounding areas, we offer expert advice on:

✅ Homeowners and renters insurance✅ Auto and motorcycle coverage✅ Umbrella and liability insurance✅ Specialty coverage for flood, valuables, and more

Don’t Wait for the Unexpected

You don’t need aliens or asteroids to have a wild insurance claim. Life is unpredictable enough—make sure your coverage isn’t.

📞 Call Quick Insurance today for a free policy review. Let’s make sure you’re protected from the weird, the wild, and everything in between.

https://www.cquickinsurance.com/