Homeowner's insurance does not explicitly cover funeral expenditures. However, if you or your property are judged liable for someone's death, it is possible that your homeowner's insurance will cover the funeral expenses.
How does personal liability insurance work? Your coverage applies if someone is wounded (fatally or otherwise) on your property and decides you are liable. You will likely be required to defend yourself in court, where it will be assessed whether or not you were genuinely culpable. However, don't fret: your legal bills are covered as part of your personal liability coverage. Therefore they are, in fact, covered by your homeowner's insurance policy.
In most circumstances, personal liability coverage ranges from $100,000 to $500,000 per occurrence. This covers your legal fees and the medical expenses of the injured or deceased party.
Things are currently in the hands of the legal system. If the court determines that you are responsible for the person's death, you may be ordered to cover the funeral costs. Then your homeowner's insurance may be able to assist you.
Does homeowner's insurance typically cover funeral costs?
No. Typically, funeral expenditures are paid for by the deceased's family or the individual with funeral insurance. Your homeowner's insurance may pay a substantial amount for medical bills and legal fees, but typically not for a funeral.
In addition, a court may determine that you are legally responsible for funeral expenses, but your personal liability insurance does not cover them, so you will have to pay out of cash.
Hopefully, no one will die on your property, and you will not be responsible for funeral costs. However, if you do so, the court will typically resolve the matter.
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