Generally No. If you have already sued the Home Insurance Company, then you have already sued by default the Homeowner. You can not have sued one without already having sued the other.
If a property owner is liable to you for an accidental injury, The home owner may have insurance to cover those liabilities.
The insurance company would not be the cause of an accident. If you sue an insured homeowner, their insurance company is only enjoined in the suit by virtue of the coverage provided to their insured home owner who has been sued.
The homeowners insurance company may cover the cost of defense of the suit filed against the insured homeowner and may pay awards or judgments up to the limits of the homeowners insurance policy on behalf of that insured homeowner.
Bear in mind that the Insurance Company is not liable for an accident, The insurance company may be liable for damages and awards based on assertions and finding of liability on the part of the insured homeowner.
If your suit failed (or you Lost the suit), Then that means the homeowner was found not liable for your injuries.
If you have accepted a settlement from the insurance company, that settlement will have settled your claims against the homeowner.
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