Does Homeowners Insurance Cover Pest Control? mind-blowing update
Does homeowners insurance cover pest control? The short answer to this question is no, not always. Suppose you’re wondering why pest control isn’t included in the typical homeowners’ insurance policy. In that case, it’s because pests aren’t covered by most policies—at least not as actual pests.
Here is a break down of what we will be covering today.
Why Homeowners Insurance Rarely Covers Pest Control
Homeowners’ insurance rarely covers pest control because it’s considered a maintenance or upkeep cost. Pest control usually covers things like mice, cockroaches, and termites—all of which can be a symptom of bigger issues in your home.
Pest control is sometimes considered an optional service, meaning that you can purchase it if you choose to. Let’s talk about why home insurance rarely covers pest control.
Homeowners insurance protects your home against damage caused by events such as fire, theft, weather damage (such as hail), natural disasters (like earthquakes), vandalism, etc. but not against routine wear and tear (or maintenance costs).
Homeowners’ policies also typically cover the personal property inside your home. If something breaks or gets damaged inside your home (say, a water heater bursts), that would be covered under your policy.
Examples of Non-Covered Pest Damage
This section explains that your home insurance does not cover damage caused by pests, such as termites, fire ants, ticks or fleas. A few examples are provided of non-covered pest damage situations.
One example is that if you find termite tracks and have them professionally exterminated only to have them return within a year, there is no coverage for repeat treatments. Another example is what happens if a deer eats poison from an insect infestation and dies on your property.
Suppose it dies in a covered area of your home insurance policy, but you don’t learn about it until it dies on your neighbor’s lawn. In that case, there is also no coverage for cleanup or any resulting damages like dead leaves littering the yard or house siding needing to be repainted.
When Pest Damage Is Covered
A standard homeowners policy most commonly covers damage caused by termites, carpenter ants and other wood-boring insects. However, those pesky rodents are on their own, as damage from squirrels and rats is typically excluded from insurance policies.
If your house has sustained damage due to pests, contact your insurance agent to make sure it’s included in your policy. Even if you think it’s already included, be sure to get it in writing; you never know when an insurer will try to weasel out of its coverage commitments.
Does homeowners insurance cover animal infestation damage?
Yes, if a wild animal such as a skunk, raccoon or bat causes damage to your property, homeowners insurance should cover it. However, you might be asked to show proof that an animal infestation is causing damage to your property.
To prevent these situations from happening in the first place, consider installing an outdoor motion detector light around your house and other entry points that are prone to animal entries.
This way, if animals do get into your home and cause damage, you’ll have documentation of what occurred as well as evidence for any claims you file with your insurance company.
How to get insurance to cover termite damage
Luckily, insurance companies cover termite damage as standard. If you suspect your home has termites, call a local pest control company or insurance agent to get a repair quote and get covered today!
What does home insurance cover?
Still, if you have an array of expensive collectibles or investments, you might want to purchase extra coverage. Some coverage is required by law; many home insurance companies will offer extra protection that you can choose to add to your policy for a small fee.
Do homeowners insurance cover rodent removal
Also, some homeowners’ insurance policies include extra protection for rodent control. It is best to check with your insurance provider to determine whether your homeowners’ policy covers rodent removal and what restrictions apply. Contact them before something happens so that you are prepared in case of an emergency.
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