Does Home Insurance Cover Death? 
Home Insurance is not life insurance . If someone on your property or in your house is killed due to an injury and you are sued you would be covered under the liability portion of your policy up to the limits of the liability . I recommend at least $ 300,000 liability limits for the average homeowner . If you are in an upper income and have a lot of assets than at least a million or more based on your circumstances . Consult with a good local agent to determine the coverage best for you . 