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Does Homeowner’s Insurance Cover Bedbugs?

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Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency...

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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Homeowner’s insurance Q&A: Does homeowner’s insurance cover bedbugs?”

The national media is aggressively reporting on the wave of bedbug infestations currently ravaging households in the United States.

There must not be anything more pressing (like the economy) to talk about.

Either way, as more and more people and businesses discover they have been exposed to bedbugs, they are turning to their insurance company for help to pay the associated costs with exterminating the little buggers.

Insurance Probably Won’t Help Your Bedbug Problem

Whether the infestation in question is large or small, you can forget about filing an insurance claim with your insurance company in nearly every case.

Damage caused by birds, vermin, rodents or insects are generally not covered on an homeowner’s insurance policy.

Many of the costs associated with detecting and exterminating them are considered to be maintenance costs (your problem) by insurers.

One of the “hidden” costs of homeownership is taking all necessary precautions to keep these pests out of your home in the first place.

This explains why you’re bombarded by pest control solicitors the very second you purchase a home, and why the ads seem to never stop.

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Insurance Is Designed to Cover One-Time Incidents

Additionally, insurance is designed to pay claims resulting from a one time, measurable incident that leads to a financial loss…a tornado or fire for example.

The financial losses associated with infestation normally occur over an extended period of time, rather than all at once.

If, perhaps, your roof was destroyed by thousands of frogs striking it as a result of a waterspout in a lake, you would likely receive insurance money.

Why? Because the event occurred at one, measurable point in time and would be considered a covered cause of loss (weather related).

Read more: Types of homeowners insurance.

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