Does Home Insurance Cover Bed Bugs?

A bed bug infestation can be a significant concern for homeowners, leading to discomfort and potential financial strain. Many people wonder if their homeowners insurance policy offers protection against the costs associated with these unwelcome pests. Understanding the typical stance of home insurance on such issues is important for managing expectations and preparing for potential expenses.

Standard Home Insurance Coverage

Standard homeowners insurance policies generally do not cover bed bug infestations. Homeowners insurance provides financial protection against sudden, accidental damage or loss to property and belongings. This coverage typically extends to perils like fires, lightning strikes, theft, and certain types of water damage, which are events considered beyond a homeowner’s control.

Insurers typically perceive bed bug infestations as a maintenance issue or gradual occurrence, preventable with regular upkeep. Insurance policies are designed to cover unexpected incidents, not issues that develop over time due to a lack of maintenance or routine care. Therefore, the costs associated with identifying and eradicating bed bugs, as well as replacing damaged personal property, usually fall outside the scope of standard coverage.

Common Policy Exclusions

Homeowners insurance policies commonly exclude pest infestations. These “pest exclusions” typically apply to damage caused by insects, rodents, and other vermin, including bed bugs. This means that even if bed bugs cause damage to personal property like mattresses, furniture, or carpeting, the root cause of the damage—the infestation itself—is excluded from coverage.

Policies also contain “gradual damage” or “lack of maintenance” exclusions. These clauses state that damage occurring slowly or from lack of maintenance is not covered. Insurers argue that bed bug infestations develop gradually and are preventable through diligent home care, thereby falling under these exclusions. This perspective reinforces the insurer’s position that bed bug issues are a homeowner’s responsibility, not an insurable peril.

Addressing an Infestation

Since standard insurance coverage is unavailable, homeowners bear the full cost of treating a bed bug infestation. Professional bed bug remediation involves various costs, including inspection fees, treatment methods, and potentially multiple visits. The cost can vary significantly based on the severity of the infestation, the size of the affected area, and the chosen treatment method, such as heat treatment, chemical application, or fumigation.

For an average bed bug treatment, costs can range from $1,000 to $4,000 for an entire home. However, severe infestations or larger properties may incur expenses ranging from $350 up to $6,200 or more. Homeowners should review their specific policy documents for exclusions related to pests and gradual damage. Understanding these limitations helps prepare for the financial burden.