Does Homeowners Insurance Cover A Death In The Home? 
If you are assuming if the homeowner died in the home , he would need life insurance to cover the mortgage/debt on the home through a separate life insurance policy . If a guest came onto the property and died as a result of the use of your residence -LRB- for example if the chandelier fell on them upon entering your home -RRB- , his family/estate could potentially sue you for personal liability claim . Under most homeowners policies you have at least $ 100,000 and it can be increased for a very small premium . 