Does Renters Insurance Cover Bed Bugs
Insurers consider bed bugs not as an essential peril like hail or fire but a failure of the owner to properly maintain their property.
Does renters insurance cover bed bugs. In most cases no. Renters insurance generally does not cover bed bugs. That s because renters insurance policies are very specific about the perils they cover and under what circumstances. There are exceptions to this rule depending on where you live and whether the source of the bed bugs can be determined but you should generally be prepared to take financial responsibility for the infestation.
In most cases the answer is unfortunately no. A lot of tenants are surprised to learn that renters insurance doesn t cover bed bugs. Learn the ins and outs of renters insurance coverage for bed bugs and talk to your independent agent about your policy. Here is what you need to know about bed bugs your insurance and what s covered or not.
Renters insurance insures your personal belongings against covered perils such as fire hail and theft but bug infestations are generally excluded from cover. But while your renters or homeowners policy can pay for a vast array of property losses it doesn t cover some of those stemming from or resulting in a maintenance issue. Although a bed bug infestation may feel like sudden and accidental damage it is not covered by renter s insurance or by other home insurance. Your renters insurance protects you against the perils specifically listed in your policy.
The majority of renter s insurance policies will cover the following general perils. If a qualified party such as a professional exterminator determines that you caused the infestation it s likely that you will be paying the costs of extermination out of your own pocket. Renter s insurance like home and condo insurance covers sudden and accidental damages caused by insured perils. And unfortunately the costs associated with ridding your home of bed bugs is considered part of standard home maintenance and isn t covered by either type of insurance.
However renters insurance does not cover bed bugs or any other type of nesting or infesting creature even if an infestation forces you to find alternate accommodations. While those perils include a broad range of situations almost all standard renters insurance policies don t include protection against pests and vermin. Note that renters insurance typically will not pay for eradication of bed bugs or bed bug related damage. The simply insurance way renters insurance made easy.
Unfortunately most renters insurance programs do not explicitly cover bed bugs. No renters insurance generally does not cover bed bug related damages. Does renters insurance cover bed bugs. If you have a situation where you discover you have bed bugs you might wonder if your renter s insurance covers bed bug infestation.
If you find your home infested with bed bugs will your renter s insurance policy cover the clean up and debugging expense.
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