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Is bat removal covered by home insurance?
We just discovered bats living in our attic. We have a homeowner’s insurance policy. Will bat removal be covered by our home insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yikes! Bats are much cooler when they show up on the Discovery Channel than in your attic. In most situations, bat removal is not covered under home insurance policies.
Most policies exclude the removal of animals, insects, and rodents, along with any damage they may cause, as insurance companies consider the damage preventable.
However, if you have an HO-3 policy, you may have coverage. An HO-3 policy covers everything except what is specifically excluded. You’ll want to look at your policy’s terms and conditions to determine what type of coverage you have and any exclusions.
If you’re unsure, you can always call your insurance company. An agent should be happy to review your policy and give you more information.
Should you not be entirely happy with your insurance company after taking care of the bats, consider using
Jerry
to find new coverage. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.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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