Can Homeowners Insurance Cover Pest Infestations?

Homeowners insurance is a crucial safeguard against unexpected damages and losses. However, when it comes to pest infestations, the coverage provided by standard homeowners insurance policies is often limited. Understanding the nuances of this coverage can help homeowners better prepare for potential pest-related issues.

Does My Policy Cover Pest-related Losses?

While homeowners insurance can provide financial protection against many risks and incidents, it generally does not cover damages caused by pest infestations. Homeowners should be aware of this limitation and take preventive measures to protect their property. Understanding the specifics of your insurance policy and maintaining regular home maintenance can help mitigate the financial impact of pest-related losses.

General Exclusions

Exclusions in most standard home insurance policies primarily stem from the insurance industry’s view that pest infestations are generally preventable through regular maintenance and timely intervention. Common pests such as termites, rodents and insects can cause significant issues to a home’s structure, but the gradual nature of this damage typically places it outside the scope of standard insurance coverage.

Situational Coverage

While pest-related losses are typically excluded from standard coverage, certain exceptions may exist. For example, if a pest infestation causes sudden and unforeseen secondary damage, such as a fire resulting from rodents chewing through electrical wires, the insurance policy might cover the fire damage, although not the initial pest damage. Review your policy and discuss your coverage with your broker to understand how your insurance may respond to such incidents.

Preventive Measures

Given the limited coverage for pest-related damages, homeowners should take proactive steps to prevent infestations. Regular inspections, sealing entry points and maintaining cleanliness can help deter pests. Additionally, addressing any signs of infestation promptly can prevent minor issues from escalating into significant problems.

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Contact Select Insurance, South Carolina, today to learn about homeowners coverage options or to get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.