Protecting home and nearest territory from meteor

In an answer* to a related question, it is stated that:

[A meteor] may not intersect with a Player, an NPC or a Chest.

If your house is only large enough for your NPCs, it's quite likely you're already safe. If not, as an alternative to making a skybridge barrier, you might instead make an "attic" full of chests. This will cause the game to look for a different location entirely rather than leave only a thin layer of meteorite, as a skybridge would.

**My understanding is that the rules listed in the linked post were determined by examining the game's code, but it wasn't done by me, so caveat emptor. ;-)*

If all you want is to protect your house, then build a sky bridge over you house. However, if you want to havest the meteor, I suggest that you create another world just for meteor harvesting. Also, the chance of having a meteor strike your house should be very small so there should be not much to worry about.