Does renters insurance cover damage caused by pests?

"I've heard from neighbors that our apartment complex might have a rat infestation. Will my renters insurance cover damages if the rats sneak into my apartment?

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Answer
“The answer is no — typically, renters insurance policies do not cover pests. If you notice that there are pests in the home, it is best that you notify the landlord as soon as possible so they can get the home treated.
Unfortunately, in most cases, pests are considered to be a sign of the homeowner’s negligence, and that is why renters insurance policies will not cover damage done to your belongings by the pest. “
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Savannah Grabek
Answered on Apr 09, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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