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.
Answer provided by
Answered on Apr 08, 2021
“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. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Who's responsible for home insurance, the landlord or tenant?
I'm thinking of renting out my house for the next two years while I'm away for work. In this situation, who pays for the home insurance: the landlord or the tenant?
Mar 08, 2021
Does home insurance cover asbestos removal?
There's an older house I'm interested in buying, but it contains some asbestos. Will my insurance cover removal?
Mar 03, 2021
How much will the other driver pay for my medical bills if he has a 50/100/50 policy?
My family was hit from behind by a vehicle on a recent trip, causing sciatic nerve damage in my wife and rupturing two of my vertebrae. How much will the other driver's insurance pay for my expenses?
Apr 13, 2021