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Does your home insurance cover meteors?

With a meteor exploding in a Siberian neighborhood just last week, it's a good question to ask: "Does my homeowner's insurance cover falling objects from outer space?" Rest assured, the answer is yes.

Home insurance policies covers falling objects including meteorites, space junk and even blue ice - the frozen sewage that occasionally falls from airplanes. The chances of your Montecito estate actually getting hit by a falling object is incredibly low, as most debris turns in to dust particles by the time it reaches us.

According to an article by CNN Money, an asteroid would have to be the size of  Volkswagen when it enters our atmosphere to do any real damage. The recent event in Russia typically happens only once every 100 years.