Is insect infestation covered by homes insurance?

Insects, like wild animals, can cause costly damage to property in a number of different ways, but only in very specific situations is such damage covered by insurance.

A hidden bug infestation that causes structural damage to your property might also be covered by your homeowner's insurance, as with animals. Collapse (of your home or another insured building) due to hidden insect infestation, unless the presence of such devastation is known to the 'insured'" is covered by basic insurance unless the insured has knowledge of the damage. It ultimately all comes down to the details of the loss and the policy's terms.

Crumbling Termite Defenses

Insurance policies typically won't assist in paying for repairs caused by termites.

You may have some leeway in terms of coverage if the specific cause of the infestation is a covered hazard, but you'd still need to show that the covered event actually caused the termites to inhabit your property.

An insurance policy may pay for damage to a subfloor caused by an infestation that is otherwise unseen.

Eradicate the Bedbugs

Though they may not cause as much physical damage as termites or beetles, bed bugs and cockroaches can nonetheless cause significant financial losses if they invade your house. All of these pests are not covered by standard homeowner's insurance, unfortunately.

Killing of Bees

Standard homeowner's policies often cover neither bee damage nor bee removal. When it comes to insect infestations, insurance coverage depends on whether or not the underlying cause is a covered event in your policy.

Be sure to hammer out the details with your home insurance agent to clear any possible concerns or confusion.