Are Bed Bugs Covered by Insurance?
WouterIf you own a home with a bedbug infestation, you may be wondering if you’re covered by your homeowners insurance. In most cases, bedbug infestations are not covered under your policy. But there are some cases where you may be able to receive coverage for this costly repair.
Renters insurance, for example, will cover your personal property if you live in a rental property, but it will not cover any damage caused by bedbugs. It also won’t cover the costs associated with extermination, which is crucial for eliminating the bugs. Unlike homeowners insurance, renter’s insurance is specifically designed to pay for one-time financial loss, not ongoing repairs.
If you have a homeowners insurance policy, you may be able to purchase an additional policy covering the cost of a bedbug treatment. In addition, you may be able to include the cost of a portable heating chamber to get rid of bedbugs in a timely manner. If you’re renting a home, you can also purchase an extra policy that covers the cost of replacing the mattress.
The most important thing to remember when looking for renters insurance is that your policy does not cover infestations of bed bugs. This is because removing the infestation is part of regular home maintenance. However, there are exceptions to this rule, depending on the state where you live. Therefore, make sure you’re financially prepared to take on the burden of eliminating bed bugs.
