HELP! Flying Space Junk Hit My House!

After a meteor struck western Siberia and more meteors threatened the entire globe this past Friday, the question is begged, "Who pays for damage to a home if hit by a space object?"
Rest easy!  "Your insurance covers falling objects," says Robert Hartwig, president of the Insurance Information Institute.  In the rare events when meteors have crashed through home owners' roofs over the years, insurers have paid the damage for those insured, Harwig says.

NASA scientist Laurie Leshin says, "The earth is peleted with 40 tons of space debris a year.  Most of that is teeny dust particles and rarely does it injure people or damage property."
Source:  "Who Pays for Damage From a Meteor?"  CNNMoney (Feb. 15, 2013)