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Does home insurance cover death?

I am the financial provider for my family. I want to make sure they are okay if anything happens to me, and I’m thinking about my mortgage. Does home insurance cover death?

Nick Kunze · Updated on Mar 4, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

Making sure your loved ones are cared for is admirable. Unfortunately, homeowners insurance does not help if you die.

Homeowners insurance pays for damage to your home, property, and possessions, plus offers liability and medical coverage. However, it will not pay for your mortgage or provide any other coverage if you were to die.

Instead, this is what life insurance is for. A life insurance policy will pay off your mortgage if you are no longer alive.

While

homeowners insurance

doesn’t cover death, it still offers plenty of important, useful protections. To make the most of your homeowners policy, you should download

.

Jerry is the easiest and most effective way to find a home or renters insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings.

After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.

MORE:

The 16 perils of home insurance

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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