Over the weekend, a passenger airplane experienced a catastrophic engine failure showering engine parts over multiple neighborhoods. Almost as soon as social media started showing pictures of airplane parts in people’s yards, insurance social media started talking about coverage for property damage caused by those parts. So here we are. Since a lot of yards are involved, let’s look at the homeowners policy.
In section I of the policy, under property not covered, aircraft, including any parts whether or not attached to aircraft, are not covered. However this does not mean airplane parts falling from the sky are not covered; like motor vehicles, this is referring to aircraft an insured might own, not one losing parts as it flies overhead.
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