Insect damage is generally excluded by homeowner's policies.
There aren't any policies at this time, but likely will be in the near future if there is money to be made.
A bed bug infestation would be considered a normal maintenance issue and is not a covered peril under any homeowners insurance policy. Occasional exterminator treatment is a normal and expected cost associated with home ownership and maintenance.
House insurance can cover different things depending on your policy. Common things covered include storm damage, some kinds of theft, and fire. You can also get specific flood insurance. There are many different houses out there. Because there are houses, there are companies that offer house insurance. Depending on one's house insurance plan, it can cover different things.
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