Plane or Odd Impact Hit Your House? Your Policy Covers It

By Nelson Avila, Licensed Florida Public Adjuster (License G332385) · Florida Certified Contractor · Property Insurance Appraiser & Umpire
Homeland Public Adjusters · Last reviewed: October 2026

Car crashed through the exterior wall of a Florida home

A car leaving the road and striking a house, a small plane making an emergency landing short of a runway, a delivery truck backing into a garage — these losses are jarring, structural, and often expensive. Your own property policy covers vehicle and aircraft impact, and Homeland handles that claim for you. If you have no policy of your own, Homeland helps you recover from the at-fault party’s insurance in Florida.

Your own policy covers it, and Homeland handles the claim

Short answer: Your own homeowners or commercial property policy covers vehicle and aircraft impact as a covered peril, regardless of who was driving or flying, and Homeland handles that claim for you; your insurer can pursue the responsible party afterward. No policy of your own? In Florida, Homeland recovers from the driver’s or operator’s liability insurance, supported by the police or incident report.

Most homeowners and commercial property policies cover vehicle and aircraft impact as a named or covered peril, regardless of who was driving or flying. Call Homeland first; a claim on your own policy is typically the fastest way to get repairs started, since your policy doesn’t require establishing fault the way a liability claim against a third party does. Your deductible applies, but your insurer can then pursue the responsible driver or operator’s insurance separately through subrogation.

When the third party's liability coverage matters more

If you don’t have adequate property coverage — or none at all — the driver’s auto liability policy, or an aircraft operator’s liability coverage, may be the only path to recovering the cost of repairs. This is also the better route when damage exceeds your own policy limits, since a driver or operator’s liability coverage can sometimes provide a larger pool to draw from. Filing against a third party’s liability coverage generally requires establishing that they were at fault, which is usually documented through a police or incident report.

No policy of your own? In Florida, Homeland recovers from the at-fault party

If you’re underinsured or uninsured in Florida and the damage was clearly caused by someone else’s vehicle or aircraft, Homeland can handle the property damage claim against that party’s liability coverage: third-party damage claims. In New Jersey, Homeland represents you on a claim under your own policy. Documenting the loss thoroughly from the start — the same way you would for any insured claim — puts you in the strongest position regardless of which coverage ultimately pays.

Vehicle-strike claims come up along busy corridors in Hialeah and Pembroke Pines; Homeland handles them under the homeowner's own policy and, in Florida, against the driver's carrier.

Frequently asked questions

This article is for general information only and is not legal or insurance advice. Every policy and every claim is different — call Homeland. We review your policy language with you at no cost.

Still Have Questions About Your Property Insurance Claim?

Every loss and every claim has its own circumstances. Call us 24/7 to talk through yours, or request a free claim review.

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.