If someone is driving and their car or truck or other vehicle crashes into your house then any damages caused by the driver crashing into your house will be normally covered by the drivers auto insurance policy.
That's why drivers should always carry auto insurance and it's a requirement in most states.
If someone does crash into your home and you're inside it and you're okay you should immediately get out of the house and get any family or kids out of the house as well.
The car could catch the house on fire so get out and call 911 to report the crash and hopefully the driver is okay as well but they may need medical attention as well.
I've seen a car crash into a house before and it caught the house on fire and actually burned up the driver in the car because they couldn't get out in time.
There was no time to save the driver in the car who crashed because as soon as I got out my car and was walking up to the car to try and save the person the car burst into flames and burnt the driver up and burnt the house down as well.
No one was in the house at the time but the driver was burnt up really bad and the smell of human flesh burning will remain in my mind for as long as I live.
The smell of human flesh burning is a terrible and haunting smell.