Does Geico Renters Insurance Cover Bed Bugs. Therefore, a standard homeowner insurance policy wouldn’t cover the cost for bed bug infestations. I’m so sorry to hear that you’re dealing with bed bugs.
I’m so sorry to hear that you’re dealing with bed bugs. That doesn't necessarily mean you're responsible for paying extermination costs out of pocket, though. If you rent an apartment, condo, house, etc., you need renters insurance.
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Unfortunately Renters Insurance Does Not Cover Bed Bugs.
In some instances, your landlord may be responsible for controlling bed bugs, mice, and other vermin. Unfortunately, allstate and most other renters insurance companies see bed bugs as a lack of care and will not cover damage from them or removal costs. There are exceptions to this rule, depending on where you live and whether the source of the bed bugs can be determined, but you should be prepared.
Insects And Vermin Are A Common Exclusion On All Property Policies.
Deterring and eliminating pests, such as bed bugs, is considered part of the standard maintenance of a home and the responsibility of a tenant. Keep reading for more info on how renters insurance covers mold. If bed bugs are the result of damage from a covered insurance peril, renters insurance may cover.
This Situation Would Call For An Exterminator.
If not you may wish to consider contacting your insurance agent to see if an endorsement is available to add bed bug coverage to the policy. However, bug infestation falls under normal maintenance. This is why some homeowners would assume that bed bug infestation is an accidental occurrence that is covered by their insurance policy.
The Problem Is That Geico Will Choose Your Insurer For You, So There’s No.
Those things can really wreak havoc on bedding and carpets. If you currently have renters insurance it’s a good idea to check your policy to confirm that it does indeed cover bed bugs. Renters insurance can and does cover damage from mold casused by a covered peril, as long as you made a good faith.
Bug Infestations Do Not Normally Occur Often.
Who is responsible for bed bugs in my rental? If you rent an apartment, condo, house, etc., you need renters insurance. Get a renters insurance quote today and we'll show you how to easily and affordably protect what you care about.