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Does home insurance cover a bed bug infestation?
My daughter came home from a trip out of town and somehow brought bed bugs back with her. It’s pretty awful and we’re not sure what to do. Will our home insurance cover a bed bug infestation?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! Bed bugs are tricky and incredibly stressful, but it’s more common than you’d think. In most cases, your home insurance won’t cover a bed bug infestation.
- Insects
- Vermin
- Birds
- Rodents
Insurance companies believe infestations are from neglect or improper maintenance. Although this isn’t the case in your situation, you likely won’t be able to submit a claim for the fumigation and removal of the bed bugs.
That said, it never hurts to reach out to your insurance company. Every company is different, so asking questions about your coverage will ensure you’re taking advantage of all of your policy’s benefits.
If you have to pay out of pocket for the fumigation, consider downloading
Jerry
to help save on other expenses. The Jerry app collects dozens of quotes from top insurance companies in seconds. They even cancel your old policy once you’ve made your pick. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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