Does Renters Insurance Cover Bed Bugs? (2024)

Renters insurance generally won’t cover bed bugs. That doesn't necessarily mean you're responsible for paying extermination costs out of pocket, though. In some instances, your landlord may be responsible for controlling bed bugs, mice, and other vermin.

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Is there renters insurance that covers bed bugs?

Standard renters insurance policies typically won't offer coverage for bed bug infestations or any resulting damage. If an infestation occurs, you or your landlord are responsible for covering the extermination costs.

Are landlords responsible for bed bugs?

According to the National Pest Management Association (NPMA), every state has different laws that determine who's responsible for getting rid of bed bugs and cities may have their own ordinances in place. In some cases, your landlord may be required to pay for extermination expenses, especially if multiple units in your building show signs of bed bugs. If the bed bugs were the result of your negligence, you may be responsible for the cost of extermination.

How to prevent bed bugs

Bed bugs can be an expensive problem, but here's how you can minimize the chances of an infestation:

  • Encase mattresses and box springs in a protective cover, inspect second-hand furniture and never buy a used mattress
  • Know how to identify bed bugs: they're oval, brown, approximately ¼-inch long, and leave behind fecal deposits or blood spots
  • Vacuum frequently and launder clothes and linens at the hottest temperature suitable for the fabric
  • When staying in a hotel or away from home, check the bed, nightstand, and furniture for signs of bed bugs

How to treat bed bugs

Your best bet is to hire a pest control expert, but here are some DIY tips for eliminating bed bugs.

  • If you choose not to purchase a new mattress, use a stiff scrub brush on your mattress before running a vacuum
  • Vacuum over all infested areas and possible hiding places; make sure to seal up the vacuumed contents in a plastic bag and dispose of them right away
  • Seal up all infested items that can’t be laundered in a plastic bag for a few months to ensure the bugs die
  • Wash and dry clothing and linens at your machine’s highest temperature setting

Pro tip:

As a tenant, you have a responsibility to keep your dwelling clean and well-maintained. If your landlord can prove that your negligence caused the problem, they may be able to deduct extermination costs from your security deposit. Always keep food properly sealed and stored, and make sure to dispose of trash appropriately by placing it in closed bins.

Does renters insurance cover pests besides bed bugs?

Like bed bugs, renters insurance typically won’t cover rodent infestations or damage from termites or co*ckroaches. If you think that you have mice, rats, or other pests in your residence, act as quickly as possible to mitigate costly damage and potential health risks.

Contact your landlord at the first sign so they can bring in an exterminator before the situation evolves into a widespread issue.

Does Renters Insurance Cover Bed Bugs? (2)

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Does Renters Insurance Cover Bed Bugs? (2024)


Does Renters Insurance Cover Bed Bugs? ›

Standard renters insurance policies typically won't offer coverage for bed bug infestations or any resulting damage. If an infestation occurs, you or your landlord are responsible for covering the extermination costs.

Does renters insurance cover damage from pests? ›

Damage Caused by Pests

That's a renter's nightmare. To make matters worse, your renters insurance policy will not cover personal property damage caused by pests, since it's considered a maintenance issue. It also won't pay the cost to exterminate pests, if that is what's necessary.

Does homeowners insurance cover bed bugs? ›

If you have a bed bug infestation, you might wonder if your homeowners insurance can help you pay for the extermination. Though homeowners insurance covers a variety of perils. Lightning, fire, and theft are all examples of perils, bed bugs and other pest infestations are typically excluded from home insurance coverage ...

Does AAA renters insurance cover bed bugs? ›

Damage from pests—Damage from pests, like bed bugs and termites, typically isn't covered. Damage from natural disasters, like earthquakes and floods—You can usually buy add-on coverage for these situations, but they won't be included in your base policy.

How fast do bed bugs spread in apartments? ›

Way 1: How fast do bed bugs spread from room to room? Ultimately, it can take mere minutes to travel from room-to-room, with infestations growing in a matter of weeks or months. Every day, bed bugs can lay between one and 12 eggs, and anywhere from 200 to 500 eggs in a lifetime.

What is typically not covered by renters insurance? ›

Renters insurance does not cover property damage for all risks. Renters insurance will rarely — or never — cover damage to your personal property for some specific perils, such as earthquakes, riots and pests. Most renters insurance policies will not cover damage costs associated with bed bugs, with limited exceptions.

What are three examples of things that could occur that renter's insurance would not cover? ›

Items not covered with renters insurance include:
  • Personal property loss that exceeds the coverage limits on your renters insurance policy.
  • Liability situations that exceed the limits on your policy.
  • Damages caused to the structure of the building you are renting (which is covered by your landlord's homeowners policy).
Apr 3, 2024

Are bed bugs considered a medical or public health hazard? ›

Bed bugs are a public health pest. While bed bugs have not been shown to transmit disease, they do cause a variety of negative physical health, mental health and economic consequences. Some of these effects include: Allergic reactions to their bites, which can be severe.

Can bed bugs get in medical equipment? ›

Once bed bugs make their way into a hospital, they will often locate dark hiding spots in medical equipment or accessories. When hospital staff head home for the day and patients fall asleep, they emerge from the darkness to feed. It will be hours before the innocent victims realize they've been bitten.

Does renters insurance cover mice infestation? ›

No, renters insurance doesn't typically cover damage caused by pests or extermination costs. However, mice, bed bugs, and other pests may be your landlord's responsibility.

Does Geico renters insurance cover bed bugs? ›

Infestations, including those caused by bedbugs, are not covered under standard renters insurance policies. The responsibility for extermination costs typically lies with the tenant or the landlord.

How to prevent bed bugs? ›

Reduce clutter in your home to reduce hiding places for bed bugs. Vacuum frequently to remove any successful hitchhikers. Be vigilant when using shared laundry facilities. Transport items to be washed in plastic bags (if you have an active infestation, use a new bag for the journey home).

Does Liberty Mutual renters insurance cover bed bugs? ›

Does Liberty Mutual's renters insurance cover bedbugs? Liberty's renters insurance, like most renters insurance providers, doesn't cover bedbugs.

Do you have to throw everything away with bed bugs? ›

Most times, clothing, bedding and furniture from a home with a bed bug problem can be treated and do not need to be thrown away. If you decide to dispose of items, they should be carefully sealed in a plastic bag or container first so the bed bugs don't spread.

Should I move if my apartment has bed bugs? ›

Since bed bugs can go a significant amount of time without eating it is strongly recommend that if you decide to vacate your home that you do so for an extended period of time. This will ensure that all of the bugs will die due to the lack of food source and the treatments provided by the exterminator.

What to do if I found one bed bug? ›

Finding one bed bug in a home is not necessarily a sign that an infestation is present. If you found a single bed bug, killed it, and can't find another after a thorough search, wait for a few days. Bed bugs don't take time off; if there are more, they will show themselves. Be vigilant.

Are rodents covered by renters insurance? ›

A renters insurance policy does not typically cover any type of bug or rodent infestation, including bed bugs.

Does renters insurance cover carpet beetle damage? ›

Renters insurance also does not generally cover damage from pest infestations. If bugs or rodents get into your unit, the damage they cause to your belongings is usually your own responsibility. Renters insurance usually does not cover the cost of pest removal, either.

Does renters insurance cover flea infestation? ›

Some of the natural disasters that happen frequently in California are not typically covered under renter's insurance policies. This includes: Bedbug, flea, or rodent infestations. Damage from flooding.

Which of the following items below would be covered by a standard renters insurance policy? ›

Renters insurance typically covers your personal belongings, liability protection, and additional living expenses if your rental home becomes uninhabitable due to a covered event, such as a fire or theft.

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