[blowski]

Exactly. It's unlikely to happen to you personally, but it's certain to happen to some proportion of the whole population in a given time period. That's what makes meteorites different - they're unlikely to happen even to the population as a whole.

[zepolen]

So it makes perfect sense to cover them.

There has been (one, perhaps two?) cases of damage to car by meteorite in the last decade, in the same period there have been billions of insurance policies issued. The per insurance policy cost is negligible.