Bed bug treatment
Bed bug treatment refers to the chemical or non-chemical eradication methods targeting Cimex lectularius infestations in indoor environments. Bed bug extermination commonly involves insecticides such as pyrethroids, with professional treatments costing $300–$5,000 per home in 2023.
Homeowners insurance policies usually exclude coverage for bed bug removal as insurers categorize infestations as maintenance issues, as reported by Your Insurance Info. Renters insurance typically does not pay for bed bug remediation, with State Farm and Allstate specifically excluding bed bug-related damages.
Insurance companies define “vermin” to include bed bugs in exclusions listed on policies from Geico and Farmers. Most U.S.
States do not require insurers to cover losses related to pests like bed bugs, with no federal mandate enforcing coverage as of 2024. Insurers sometimes cover property damage caused by fire resulting from DIY bed bug heat treatments, but not the infestation itself.
Documentation such as pest control invoices and inspection reports is required if a covered peril results from a bed bug treatment incident. Travelers often purchase special travel insurance endorsements covering hotel stays interrupted by severe infestations, available from select providers such as Allianz since 2022.
Commercial property policies may offer limited business interruption coverage if mandated closure follows public health orders due to widespread bed bug outbreaks, with specific terms outlined per carrier.
Does insurance cover bed bug treatment?
Yes, most insurance plans do cover bed bug treatment. Coverage depends on the policy and deductible, but typically includes exterminator costs for infestations that are present in the home at the time of purchase or renewal of a policy. In some cases, policies will also include coverage for subsequent treatments after an initial service if…
Does home insurance cover bed bug treatment?
No, home insurance typically does not cover bed bug treatment. Home insurance policies are designed to protect the structure of your home and may provide coverage for damages from certain types of disasters, but do not generally include provisions for pest control. Some insurance companies may offer riders or add-ons that can provide limited coverage…
Is bed bug treatment covered by homeowners insurance?
No, most homeowners insurance does not cover bed bug treatment. Bed bugs are considered a pest infestation, and damage related to such an infestation is typically excluded from homeowner insurance policies. Homeowners may be able to purchase additional coverage for pest control, but this may come at an extra cost. Some renters’ or condominium insurance…
Does homeowners insurance cover bed bug treatment?
Yes, homeowners insurance may cover bed bug treatment. Generally, homeowner’s insurance covers infestations of insects and other pests if the damage caused is due to a sudden event like a burst pipe. The insurer may provide coverage for extermination costs or reimburse policyholders for treatments paid out-of-pocket. However, it’s important to check your policy first…
See also Beginner car insurance.