Is moth damage covered by renter's insurance?

Answer 1

No, renters insurance will not cover personal property or loss of use for an infestation of any kind(termites, bed bugs. etc...). You may check with the landlord policy to see if there is any kind of reimbursement through their insurance.

However liability may be covered as shown in this example:

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 you 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, 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.

Answer 2

It depends on what type of coverage you are looking for. If your dog chews up your own property, probably not. You need to be proactive and either teach your dog not to chew up your stuff or isolate it so it can't chew up your stuff. However, if your dog chews up someone else's stuff, it probably will cover it. In Wisconsin, there are two types of coverages available that might provide coverage: damage to property of others, which applies regardless of whether or not you are liable for the damage (although in this case, you would be), and personal liability coverage which only applies in instances where the damage is your fault. Usually the damage to property of others coverage is limited to about $500. The personal liability coverage is usually a minimum of $100,000, but is often much higher.

Answer 3

Most renters insurance policies do exclude mold. However, parts of the water damage coverage in a renters policy may assist in the remediation of mold if the water damage that caused it falls under a covered form of loss.

Covered forms of loss for water damage are usually limited to sudden and unexpected damage/accidental loss.

Mold may have occurred from a slow drip, which is usually considered wear and tear.

Answer 4

It depends on the covered perils and exclusions of the policy as they vary greatly from policy to policy and company to company. Generally speaking damage caused by animals and insects is excluded from coverage.

Answer 5

Depends on the policy and company. But most exclude animals, insects, and varmints.