Does Your Homeowners Insurance Cover an Alien Invasion?

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Whatever the reason for this destruction, whether it is an accident or aliens deliberately targeting your home for attack,

There is one major factor that determines whether home insurance will cover the damage or destruction they cause. 

That factor is the type of policy. 

There are two types of home insurance policies: named peril policies and open peril policies. 

A named peril policy will only pay for damage caused by causes listed in the policy. 

Named perils usually include things like fire or vandalism. 

They likely do not include alien invasion, although of course you are free to take a look at your contract and see if that happens to be in there. 

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