Does Homeowners insurance cover for life when a house is burnt with a kid in it?

  • by franklin Nathaneal
  • Dec 04,2018
  • 10 answers

Does Homeowners insurance cover for life when a house is burnt with a kid in it?


LIKE OR DISLIKE:

  

Insurance Answers (10)

car253 last month

Depends if the policy is a homeowners policy or a "rental dwelling policy". A homeowners policy would not cover it unless the child does not live in the home and the homeowner was neglient in starting the fire. A rental dwelling policy means the owner does not live there and would cover if the property owner was neglient in starting the fire.

Help others find the most helpful reviews
Was this review helpful to you?  

STEPHEN last month

Policies vary. You need to read the one you have.

Help others find the most helpful reviews
Was this review helpful to you?  

curtisports2 last month

Homeowner's insurance covers the home itself against hazard losses, and covers the homeowner against claims of liability. If the child was a resident in the home, there would have to be a life insurance policy on the child. If the child was visiting, the liability portion of the policy would kick in. The amount paid out would be subject to the policy limitations and might require litigation to get the insurance company to pay.

Help others find the most helpful reviews
Was this review helpful to you?  

Casey Y last month

Generally, nope. A policy for a landlord may have some coverage if the landlord is deemed liable for some reason. A homeowners policy would not have any coverage for something like this.

Help others find the most helpful reviews
Was this review helpful to you?  

David 14 last month

No. That's life insurance

Help others find the most helpful reviews
Was this review helpful to you?  

taismith last month

Depends on the policy and what it states. It would need to have third party liability and also fire insurance etc.

Help others find the most helpful reviews
Was this review helpful to you?  

Greg last month

You would have to read the specific policy.

Help others find the most helpful reviews
Was this review helpful to you?  

Bill last month

unlikely as home insurance is for home and contents and contents doesn't mean people

Help others find the most helpful reviews
Was this review helpful to you?  

David and Stephanie last month

A standard homeowner's insurance policy would pay to repair or rebuilt the house after a house fire. It would also cover things like personal belongings and possibly even hotel costs for the owners during the repairs.
Life insurance is a different type of policy. In the unfortunate situation where someone is killed by the fire, the homeowner's insurance would generally not pay anything extra, other than perhaps covering liability if the deceased person's family sued the homeowners.
Life insurance has to be purchased as a separate policy. If a person with a valid policy is killed, the life insurance plan would pay the named beneficiaries the death benefit listed on the policy. It doesn't really matter how they are killed.

Help others find the most helpful reviews
Was this review helpful to you?  

babyboomer1001 last month

No, and such a rider would not be likely in a homeowner's insurance policy. Life insurance or an annuity with a death benefit rider would be the only way to get insurance coverage on the child.

Help others find the most helpful reviews
Was this review helpful to you?  

Post a Answer

Your comment was successfully posted!

Or use your account on Blog

Error message here!

Hide Error message here!

Forgot your password?

Or register your new account on Blog

Error message here!

Error message here!

Hide Error message here!

Lost your password? Please enter your email address. You will receive a link to create a new password.

Error message here!

Back to log-in

Close