Does Homeowners Insurance Cover Accidental Death? 
Homeowner 's insurance does not cover accidental death . If a guest is injured on your property , homeowners insurance will cover $ 1,000 of medical expenses per person per incident . It will not provide any coverage per persons living in the home . If you are concerned about additional liability , an umbrella insurance policy can be purchased that provides coverage above and beyond what your normal homeowners and auto insurance policies cover . 