It's apparently (based on an anecdote of 1 - further research appreciated) very straightforward to get meteorite coverage on your insurance - just ask for it and you'll get it added at no extra cost. I have no idea why it is that this one rare event is so straightforward, but I have a friend who gets it added to every policy he purchases and he's never had any resistance.
I can see why it might be free for a conventional policy, but surely it can't be free for an arbitrarily large policy? An interesting case of rounding working out in your favor if true.
I do think large properties - stadiums, skyscrapers, etc - fall into their own weird category when it comes to insurance.
I mean, what happened with the twin towers and the other affected buildings, not to mention the tens of thousands of people that died or were injured as a consequence, in terms of insurance?
IIRC, this turned into a large and complicated reinsurance claim case because they couldn't work out if the second plane hitting counted as a separate event, or if both planes should be counted as the same attack. This made a big difference in terms of who should pay whom, and what amount.
