Celestial Fallout is Not Covered

We have just recently changed insurance companies for both our home and our autos. The rate we got from the people that “are on our side” was much better than when we were being insured by a reptile. When we finally received the full policy in the mail and my wife called me at work and let me know that we were not covered for damages in the event of a nuclear war, a meteor strike or an asteroid impact.

“Asteroids?” I asked her. “Isn’t that covered under our medical insurance?”

But I got to thinking about it. With the way the world is today, how much more would it cost to be insured for a nuclear strike? I mean, I have a lot of cool stuff, and to have it and my house and truck vaporized by a nuke and not covered by my homeowner’s insurance would cause me annoyance and great displeasure. So how much more would it cost? Would my deductible be higher? Does “nuclear strike” mean a full warhead or just a “dirty bomb”? Does it have to be missile launched or can it be strapped to a terrorist? I think there is some grey area here that may provide a loophole upon total vaporization.

Then I began thinking about the other things. Meteors and asteroids are few and far between. I stand a better chance of winning a billion dollar lotto than getting hit by a meteor, or having one land on my house. And NASA is tracking several asteroids that “may come close” to the earth in the year 2030. Why am I not covered for something as improbable as them? I think the insurance company knows something and is not sharing the news.

Maybe NASA knows that there will be a deadly meteor shower soon, or that a huge asteroid is headed for the Southeastern U.S., and instead of doing the right thing and warning the public, they tipped off the insurance companies.

When I got home, I carefully read the policy and determined that it did cover damages as a result of an alien invasion.

“How do you figure that?” My wife asked.

“Because it wasn’t excluded.” I said. “We can argue the point!”

“I’ll keep that in mind when they land.”

So, as it stands now, I am going to write a few letters. I am going to check on a policy revision for the extra nuke and celestial fallout coverage, and I am going to write to NASA and find out just what kind of game they are playing. I am beginning to think that since their budget has been cut by the current administration, they are getting their funding from the insurance companies.

I’ll let you know what I find out.

_{© 2011 By Del Banks}