Extraterrestrial claims

Extraterrestrial claims refer to insurance claims involving losses or damages caused by non-Earth-based phenomena, such as meteorite impacts or spacecraft debris. Most U.S.

Homeowners policies exclude coverage for extraterrestrial events, as confirmed by the Insurance Information Institute in 2023. Lloyd’s of London has issued novelty alien abduction policies, but no verified payouts exist.

NASA tracks over 27,000 pieces of orbital debris that could potentially cause insured property damage on Earth. Insurers classify meteorite strikes under “falling objects,” with only about 30 documented homeowner claims paid in the U.S.

Since 1980 (per National Weather Service). No major auto insurer covers vehicle damage from unidentified flying object (UFO) encounters; State Farm and GEICO explicitly list exclusions for unknown aerial phenomena in policy documents.

The Federal Aviation Administration recorded zero commercial aircraft insurance claims due to extraterrestrial causes between 1970 and 2022. Travelers cannot purchase standard travel insurance covering alien abductions; Allianz and AIG confirm exclusion of extraterrestrial risks in their policy FAQs, YourInsurance.info states.

No court case in U.S. History has compelled an insurer to pay out a claim based solely on alleged extraterrestrial activity as of June 2024 (LexisNexis legal database).