Does homeowners insurance cover bed bugs?

Answer 1

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.

Answer 2

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.

Answer 3

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.

Answer 4

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.

Answer 5

No, Pest control is an owners maintenance issue.

Answer 6

No, That is a home maintenance issued best corrected by calling and exterminator.

Answer 7

Not in the USA