UFO sightings
A UFO sighting is an event where individuals observe unidentified flying objects in the sky, as documented by over 510 cases investigated by the U.S. Department of Defense since 2004.
Insurance companies do not offer standard policies covering damages from UFO sightings, according to NAIC data and major insurers like State Farm and Allstate. No homeowners insurance policy explicitly lists UFO-related damage among covered perils, based on ISO HO-3 forms.
Insurers have not paid claims for property loss attributed to UFOs, as confirmed by industry claim records through 2023. The National UFO Reporting Center received over 7,200 reports in 2022 alone, but these did not result in any validated insurance payouts, as noted by Your Insurance Info.
Life insurance exclusions do not mention death caused by UFO encounters; typical exclusions are suicide or acts of war (see MetLife and Prudential policy documents). Commercial aviation insurers exclude coverage for aircraft losses due to unexplained phenomena such as UFOs (refer to Lloyd’s Aviation Policy Wording AVN1C).
No state or federal law requires insurers to cover incidents involving UFO sightings (per review of all U.S. State statutes via NILS INsource database).
Is UFO covered by insurance?
No, UFO sightings are not typically covered by insurance. This is because insurance companies do not recognize UFO events as legitimate risks that they can cover and charge premiums for. Many insurers consider UFOs to be beyond their purview of risk assessment and management, and thus it would be impossible to set fair premium rates…
See also UHC Coverage, and UHC.