Does homeowners insurance, or renters insurance for my friends in New York City, cover bedbug infestations? This is a question that few, if any, homeowners insurance agents have ever fielded prior to the Great Bedbug Epidemic of 2010. Now the calls are coming out of the woodwork, so to speak.
So. Let’s say you have bedbugs, and hypothetically, you’re not too embarrassed to admit it to your homeowners insurance agent. Can you make a claim to rid your home or apartment of the uninvited guests?
Uh, no. According to Wilkinson, most standard homeowners insurance and renters insurance policiesexclude vermin infestations. Keeping bedbugs and other vermin at bay is considered the homeowner’s responsibility. Or option, I suppose.