As Halloween draws near and hurricane season ramps up, recent national surveys continue to show that many homeowners are still unclear about what their homeowners insurance policies actually cover, and far too many remain financially vulnerable if forced to leave home after a disaster. In the “spirit” of the season, The Ross Maghan Agency wants to dispel some myths and spotlight a few of the stranger (but real!) things that may be covered under your homeowners insurance.

Asteroids & Meteorites

While a flying saucer crashing in your backyard may be pure fiction, the threat of a rogue space rock isn’t all that far-fetched. If a falling object—such as an asteroid, meteorite, or satellite—damages your home or property, most standard homeowners policies classify this as a “falling object” peril and provide protection. Separate disaster policies aren’t usually needed for this rare event, but always double-check your coverage.

Volcanoes & Ash

You can relax—New Jersey isn’t known for lava flows. But elsewhere in the U.S., volcanic eruptions and their aftermath (ash, dust, or shockwaves) are generally covered under most homeowners policies. Just remember: damage from earthquakes, floods, or mudslides that follow eruptions usually isn’t included unless you have extra riders or separate policies.

Explosions & Fires

Spooky-sounding but all too real, explosions—caused by a gas leak, nearby industrial accident, or even stray fireworks—are typically a listed peril in homeowners insurance. Fire from these sources is covered as well, but always review the details with your agent.

Riots & Civil Disturbance

While most Halloween mischief is harmless, periods of unrest or vandalism sometimes do occur. Damage to your home and personal property due to riots or civil disturbances is usually covered. For vehicles, comprehensive auto insurance is needed for similar protection.

Spoiled Food from Power Outages

If a windstorm, downed tree, or other covered peril knocks out power and leaves you with a fridge full of spoiled leftovers, you may be able to claim reimbursement for food loss. Coverage, limits, and deductibles vary, so keep an inventory and receipts.

Lightning Strikes

Lightning is no Halloween myth—strikes still cause tens of millions in insurance losses every year. Policies usually cover direct damage to your home, plus affected electronics or appliances. That said, surge protectors and unplugging devices during a storm are always smart precautions.

Supernatural Visitors?!

Hauntings and possessions don’t appear on any real insurance forms—sorry, Sam and Dean Winchester! But, if a break-in, prank, or even an oddly explainable incident damages your home, that’s where your policy steps in. For the truly mysterious, documentation is key.

Dog Bites

Not quite a horror movie, but dog bites can be a financial fright. Liability coverage for dog bites is standard in many homeowners policies, but some companies exclude certain breeds or have payout limits. If your canine pal is a family member, check where you stand before there’s trouble.

Broken Tombstones & Cemetery Mischief

Mischief Night—especially in New Jersey—sometimes leads to real-life vandalism in cemeteries. Headstones, urns, and grave markers are usually considered personal property and may be covered as “valuables” under your policy, but coverage can be limited and might require scheduling these items for full protection. A quick call to your agent can give you peace of mind.

Don’t Let Your Coverage Be a Mystery

Reviewing your coverage regularly keeps you one step ahead of both real and supernatural threats. The Ross Maghan Agency can help you assess whether you have enough protection, explain limits and exclusions, and offer recommendations—like an umbrella policy—to fill any gaps.

Need a review or want to chat spooky insurance stories? Call The Ross Maghan Agency at (732) 566-0003 or use our contact form today.

Stay safe, stay insured, and have a happy Halloween!

Stranger Things That Might Be Covered by Your Homeowners Insurance – 2025 Update