The truck collided with a school bus at the intersection of Hamilton Highway and Dundas Street in Inverleigh, 28 kilometres west of Geelong, before ploughing into the home about 8am.
“I had just walked out of the bedroom to go into the bathroom to have a shower,” she told Neil Mitchell.
“It was a very confronting moment.
“I’m still in a little bit of shock. I feel a bit sick.”
The shaken resident said it was “very lucky” others were not seriously injured.
“There’s a lot of people that are very lucky they haven’t been injured in this case,” she said.
“The bus didn’t have any kids on board, which is such a relief.”
Bus company McHarry’s in a statement told 9News the truck allegedly failed to give way at the intersection, crashing into the school bus.
Witnesses alerted the authorities to the collision with paramedics, police, SES and the Country Fire Authority (CFA) attending the scene.
The male bus driver was airlifted to the Royal Melbourne Hospital with lower leg injuries.
“Our thoughts are with our driver who is a long-term trusted, reliable employee and we all hope and pray for his quick recovery and return to duties,” McHarry’s said in a statement.
“Transport Safety Victoria were also informed of the incident.”
The truck driver, a 28-year-old man from Tyntyndel, managed to escape without any injuries.
There were no passengers on the school bus at the time of the crash.
Police are continuing to investigate the incident.
Anyone who witnessed the collision or with dashcam footage is urged to contact Crime Stoppers on 1800 333 000.