Does Your Home Insurance Cover Accidental Deaths?

​Home insurance is one significant insurance policy you can have in your arsenal. It will help you deal with unexpected expenses, particularly when handling your property in the future.

However, one can ask, what if something happens inside your house which may result in a guest or owner of the house dying? Will home insurance cover it?  

We will discuss the major coverage points you need to know about home insurance and how it can help you if something happens inside your home.

Home Insurance Defined
Before we go any further, let us first discuss what home insurance is about. This particular type of policy refers to a document that will allow you to protect your property in case of serious physical damage and the need for repair in the near future.

This means that you may be able to get compensation and reimbursement if your property gets damaged or broken over time. As long as it reaches the coverage points of your existing policy, you will see extra expenditures if you get home insurance as soon as possible.

Typically, you can also get liability insurance and the standard home insurance policy right from the get-go. This will help protect you and your guests from additional expenses if accidents occur inside the home that can cause your guests pain and suffering.

Answering the Question
To answer the question, the home insurance policy will not cover accident-related injuries per se. Neither will it do this for accidental deaths on your property. You would have to get the additional liability feature of your existing policy to increase your protection.

Additional Reminders
Be reminded that home insurance does not cover any liability affecting the homeowner himself. For example, if you, as the homeowner, hurt yourself inside the home, home insurance policies will not protect you from additional expenses and liability down the road.

You would need to have the extra liability insurance policy. A false claim of accidents happening inside the house that may cause people to get hurt is considered fraud. You have to be careful who you talk to from now on.

However, if your guests' injuries have been caused by something inside the house and you didn't do it on purpose, you wouldn't have to worry.

Closing Statement
With these in mind, you can file home insurance claims with ease and have a better understanding of what your policy does and does not cover. Just get your facts straight, and you will not have problems.

At Family Auto Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!