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
“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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Jackie Whalen
Answered on Apr 08, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
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