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Does home insurance cover a bat infestation?
I kept hearing weird noises in our attic and discovered bats! We’re a bit freaked out and want it taken care of as soon as possible. Will my home insurance cover a bat infestation?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yikes! That sounds terrifying—I’d want to get it taken care of ASAP, too! Since bat or pest infestation is preventable, home insurance usually won’t provide coverage.
While
home insurance
covers many different types of damage, it often won’t cover anything related to the general upkeep or maintenance of your home. It also won’t cover anything related to age or neglect. Although it’s unlikely you’ve kept your attic in disrepair, allowing the bats to come in, your insurance still believes it’s your responsibility to prevent it from occurring. Had you been aware of any openings in your roof or attic, you would have prevented the bats from entering your home.
However, some home insurance companies may consider covering the damage from bats or even their removal. However, it’s incredibly dependent on the insurance provider, so you’ll need to check with your insurance provider to know for sure.
You can also check your policy’s coverages and exclusions to see if you have coverage.
Even if you won’t have coverage for the bat infestation now, it never hurts to ensure you have the coverage you need for the future. If you’re looking for a new insurance company or want to explore your options,
Jerry
can provide you with competitive quotes in under a minute. Swapping is just as effortless. To save even more money, Jerry can help you bundle your home and auto policies for maximum savings! View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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