Final answer:
If a small meteorite crashes in or near your home, you should first call the local authorities and your homeowner's insurance company. You can also consider consulting with a professional geologist for assistance with the meteorite sample. Insurance coverage for any damage would depend on your specific policy.
Step-by-step explanation:
If a small meteorite crashes in or near your home, the first person you should call is the local authorities, such as the police or fire department. They can assess the situation and provide guidance on what steps to take next. Additionally, you should contact your homeowner's insurance company to report the incident and inquire about coverage for any damage caused by the meteorite.
After calling the authorities and your insurance company, you may consider contacting a professional geologist or a local university with a geology department. They can help verify the authenticity of the meteorite and provide guidance on what to do with the sample, such as preserving it or donating it to a museum.
Regarding insurance coverage, it would depend on the specifics of your homeowner's insurance policy. Some policies may cover damage caused by falling objects, while others may have exclusions or limitations. It's best to consult with your insurance provider directly to understand the extent of coverage.