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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.
What else can I help you with?
Does Renters Insurance Cover Bed bugs?
No renter insurance covers bed bugs....sucks!
Will your insurance pay for your furinture and beds you had to get rid of plus your carpet because of bed bugs?
No, insurance companies (in the USA) do not cover expenses related to bed bug infestations.
Does homeowners insurance pay for bed bug treatments?
Not in the US.
Is it possible my daughter could get bed bugs at her dorm room in college?
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.
What can bed bugs do to your children?
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.
Will any insurance company help pay for an ajustable bed?
It depends. If you have a medical condition that would qualify your insurance to cover the cost of the adjustable bed.
How can a bed bugs heater effectively eliminate bed bugs from a room?
A bed bugs heater can effectively eliminate bed bugs from a room by raising the temperature to a level that is lethal to the bed bugs. The high heat penetrates into cracks and crevices where bed bugs hide, killing them and their eggs. This method is non-toxic and can be a quick and efficient way to get rid of bed bugs.
What do you need to remove from your home when bombing for bed bugs in your home?
Pets, cover fish tanks and food.
Herbal remedies to kill bed bugs?
The best way to kill bed bugs is with blitz bed bugs. Here is the website http://www.b3blitz.com/ :)
If I just moved into an apartment an they have bed bugs an admitted to you that they were there before you moved in will your renters insurance cover your furniture?
Insurance policies generally exclude animal and insect infestation. If there were a policy that covered that, it would be for the damage that the animals or insects cause. In your situation, it does not sound like you have damage from the bed bugs. I would recommend that you let the landlord know they should have an exterminator come out to remedy the situation. If you don't have success with that route, try contacting the department of fair housing in your area.
Can bed bugs or mites be caused if someone dies in bed laying on a mattress?
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.
Can bed bugs live in swimming pool?
NO BED BUGS CAN,T LIVE IN A SWIMMING POOL because they are bed bugs not pool bugs.
