Does home insurance cover accidental death?
I ask this question because I don’t want to pay extra for accidental death insurance if it’s already part of homeowners coverage.
“Yes, home insurance would cover accidental death if someone were to come to your home and die from, say, tripping down your staircase or drowning in your pool.
It is important to have adequate limits for your liability coverage in order to be fully protected if an incident does occur. Many homeowners will purchase umbrella policies to increase their liability coverage up to $1,000,000 or $2,000,000.
Keep in mind that your policy does not cover you or a family member who lives in your home. Also, it does not cover incidents that are actually intentional in nature, such as someone being pushed down a staircase. “
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