The standard homeowners policy is named perils for personal property. One of those named perils is falling objects, with the caveat that coverage only applies to property in a building if the roof or outside wall is first damaged by a falling object, and damage to the falling object itself is not covered.

So what falling objects might come through the roof or outside wall before damaging property? Trees are the most likely items to come through a roof, although if the insured gets carried away with heavy Christmas decorations Santa and the reindeer could theoretically come crashing down.

However things do fall from space, such as the rogue meteorite that crashed through a woman's home in British Columbia recently. She was sleeping and woke up to her dog barking then a huge explosion as debris covered her face. She moved a pillow only to find a large meteorite had come crashing through the roof, nearly missing her head.