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Does renters insurance cover bed bug infestation?
Oh no. I’m too embarrassed to go into details, but I just realized I’m dealing with a serious bed bug issue. Is a bed bug infestation covered by my renters insurance?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
There’s nothing to be embarrassed about—while gross, bed bugs can happen to anyone. Unfortunately, renters insurance does not usually cover a bed bug infestation.
Renters insurance
is designed to cover sudden, unexpected incidents such as natural disasters or theft. Infestations are considered part of maintenance and home upkeep and thus are not covered, mainly because your landlord or property owner is responsible for this. However, there are exceptions. A few renters insurance companies include bed bugs standard, while others allow you to add this to your coverage at an additional cost. The only way to be sure is to check with your provider to see if you have coverage for bed bugs.
If you’re hoping to lower the cost of your renter insurance bill, you should consider bundling or exploring your options with the
Jerry
app. Once you download Jerry, answer a handful of questions that will take you roughly 45 seconds to complete and you’ll immediately get car insurance quotes for coverage similar to your current plan. Jerry customers save an average of $887 a year on their car insurance.View full answer
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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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