If it's predictable it's an (expensive) pre-payment plan. Perhaps you mean it's characterizable.

Predictable yet unlikely events (especially expensive) are what insurance is optimally for.

Exactly. It's unlikely to happen to you personally, but it's certain to happen to some proportion of the whole population in a given time period. That's what makes meteorites different - they're unlikely to happen even to the population as a whole.

So it makes perfect sense to cover them.

There has been (one, perhaps two?) cases of damage to car by meteorite in the last decade, in the same period there have been billions of insurance policies issued. The per insurance policy cost is negligible.

Not necessarily. My home insurance (with outdoor coverage) has an add-on policy that also covers damage away from the house up to €3000 per event, for €12 a month with a €100 deductible.

That means I don’t need any separate insurance for my laptop, phone, headphones, watch, what have you. And if just one of those breaks in the span of 3 years, I’ve already broken even at worst, or a net €2570 ‘gain’ at best.