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Does home insurance cover rodents?
When my wife and I got back from vacation, we quickly realized we have some new roommates. Will my home insurance cover a rodent infestation?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
No one likes unannounced company, so that sounds like a less than ideal situation to come home to!
Besides not being one of the
covered perils
listed in your policy’s details, home insurance won’t offer coverage because rodent damage is considered preventable with proper maintenance. Damage resulting from lack of care isn’t covered, including things like:- Neglect
- General wear and tear
- Age
You should contact your insurance company if you think you may be covered or have additional questions about coverage or the claims process. Policies differ by provider, so the best way to learn more is to speak with your insurer directly.
Finally, unless your new rodent roommates pay rent, you’ll likely want to hire an exterminator, which isn’t cheap. Fortunately, you can use the
Jerry
app to help cover the cost by saving on both your home and car insurance
policies.In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from top insurance companies, and Jerry takes care of the rest—securing your new policy and helping you cancel your old one.
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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