Does Homeowners Insurance Cover Accidental Death? 
There are Homeowner policies that I have seen over the years that do provide some limited coverage for accidental death . However , that having been said , it is always best to talk with your Insurance Professional about the specific terms and conditions of your policy . It is a good idea to be sure that your policy provides a substantilal enough amout of Liability protection that is reasonable to cover your family 's financial exposure . If the Homeowners policy will only provide a certain amount , talk about adding a Personal Umbrella Liability Policy to your plans . That works along with both your Home and Auto policies to provide an extra measure of protection . Usualy coverage is available beginning at $ 1 million and can go as high as $ 5 million . 