If you are assuming if the homeowner died in the home, he would need life insurance to cover the mortgage/debt on the home through a separate life insurance policy.
If a guest came onto the property and died as a result of the use of your residence (for example if the chandelier fell on them upon entering your home), his family/estate could potentially sue you for personal liability claim. Under most homeowners policies you have at least $100,000 and it can be increased for a very small premium.
If you mean like life insurance would pay a benefit to the beneficiary, then no. Homeowners insurance does not have a specific life insurance deth benefit built into it.
Your homeowners insurance may protect you from liability if the cause of death was something related to you home such as a gas leak with your furnace or someone drowned in your swimming pool or something like that.
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If a guest came onto the property and died as a result of the use of your residence (for example if the chandelier fell on them upon entering your home), his family/estate could potentially sue you for personal liability claim. Under most homeowners policies you have at least $100,000 and it can be increased for a very small premium.
Your homeowners insurance may protect you from liability if the cause of death was something related to you home such as a gas leak with your furnace or someone drowned in your swimming pool or something like that.