Is accidental injury at home covered by health or homeowners insurance?

Accidental death of the homeowner, and his/her immediate family (brother, son, father, wife, etc.) is NOT covered under homeowner's.

It is probably not covered under health insurance, either. Any medical bills created by the accident should be covered under health insurance.

Accidental death of a person visiting one's home MAY be covered, but usually only in a very small amount - $1,000 or so.

If someone in your household has died, check to see if he/she had any life insurance. Sometimes, their employer may have provided a policy, so them with them, as well.