There are 2 separate sections of an insurance contract. The first is the "Property Coverages" section. The Property Coverages include coverage for the Dwelling (house structure), Other Structures (detached structures), Personal Property (house contents), and Loss of Use (inability to live in home because of a situation covered by the policy). The second section deals with liability issues. For Section 1 coverages, this will probably never be covered. Under Section 2, you will be covered if the bug infestation in your home causes bodily injury or property damage to someone else.
Let's look at the liability issues first. We're going to pretend that your neighbors 10 year old daughter came over for a sleepover with your 10 year old daughter. We're going to also pretend that during the night your neighbor's child was bitten by the bugs so badly that it caused her face and neck to swell. The next day your neighbor is understandably furious, and holds your responsible for their child's medical expenses. You are automatically covered under the "Medical Payments to Others" coverage. If the child misses two months of school and a tutor must be hired, the parents may want to hire a tutor. Your neighbor may also find it necessary to stay home with their child. In that case, they will probably sue you for lost wages and the cost of home schooling their child. This would be covered under the "Personal/Family Liability" coverage.
Now let's move on to Section 1, Property Coverages.
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.
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.
yes there are companies available that will provide bed bug insurance. Unfortunately it is for major claims and is suited towards Hotels and real estate companies.
No, Pest control is an owners maintenance issue.
No, That is a home maintenance issued best corrected by calling and exterminator.
Not in the USA
No renter insurance covers bed bugs....sucks!
No, insurance companies (in the USA) do not cover expenses related to bed bug infestations.
Not in the US.
Yes, she is more at risk for bed bugs by living in the dorms. However, most dorm rooms do not have bed bugs. You will want to put a mattress protector and cover on her mattress to help reduce the chance of the bed bugs biting her.
Although some bed bug treatments cost as little as twenty dollars, bed bugs are incredibly difficult to get rid of and as such, can cost a great deal of money. Experts estimate that many homeowners will spend upwards of $5,000 to rid their home of bed bugs.
Bed bugs have the same effect on any child and adult - they bite you. Most people will get bitten and have itchy welts on their skin. Bed bugs are not known to transmit any diseases, but occasionally individuals can have very bad allergic reaction to bed bug bites. If you suspect bed bugs in your house, I suggest you cover your mattresses and find an exterminator in your area.
It depends. If you have a medical condition that would qualify your insurance to cover the cost of the adjustable bed.
Pets, cover fish tanks and food.
there are no such things as bed bugs, but if you are talking about the: the microscopical bugs then no pestisides aren't for them if there are bugs in your bed you should consider getting a new bed or washing the one you already have. :)
The best way to kill bed bugs is with blitz bed bugs. Here is the website http://www.b3blitz.com/ :)
It isn't likely to get bed bugs that way . Bed bugs have been around for years and they first came about when people would sleep on hay mattresses night there would be mini bugs bitting people.You may get termites from a rotting corpse but not bed bugs. You will not get bed bugs this way unless the deceased brought bed bugs with them into the bed before they died.
NO BED BUGS CAN,T LIVE IN A SWIMMING POOL because they are bed bugs not pool bugs.