Does Home Insurance Cover Bedbug Infestation?
With all the news about bedbugs being found in movie theaters, office buildings, college dorms, department stores, apartment buildings, hotels and vintage shops around the country, you may be worried about what you would do if you inadvertently brought the pesky pests into your home. Many homeowners have spent thousands of dollars hiring exterminators, steam cleaning fabrics and replacing mattresses to get rid of bedbugs. You may be wondering if your homeowners policy will reimburse you for some of these costs. Always determine how much coverage you need, before you get home insurance quotes.
Standard homeowners insurance is intended to cover the cost to rebuild or repair your home and replace your personal belongings due to damage or theft. However, most polices do not cover damage due to faulty or shoddy home maintenance. For instance, your home policy will cover water damage due to accidental discharge from a plumbing system. However, according to the Insurance Information Institute, it won’t cover those costs, if you haven’t properly maintained your pipes and water heater. The III recommends checking your plumbing and heating systems once a year to avoid problems. Before you buy a home, determine its condition. Insuring a house with poor plumbing and heating systems will be more expensive.
Like maintaining your plumbing system, getting rid of bedbugs is considered one of the costs of owning a home. Homeowners and renters insurance do not cover insect and rodent infestations. Insurers base premiums on the risk of a certain event occurring: a tree falling on your home, a windstorm damaging your roof, a burglar entering your home, etc. Calculating the chance your home will be infested with pests is more difficult. Make sure you thoroughly read your policy, when you obtain home insurance quotes.
The best way to make prevent a bedbug infestation is to avoid bringing them into your home. If you travel, check your hotel rooms for pests. If you see any, spend the night at another lodging. Keep your luggage wrapped in plastic, so bedbugs can’t crawl into your clothes. When you return home, wash all of them –even clothing articles you didn’t wear – in hot water. If you buy items from second-hand stores, some retailers recommend putting the garments in the freezer for at least three days before taking them to a dry cleaner. And to protect your mattress and pillows from infestation, buy special covers.
Remember when you buy a homeowners or a renters policy, you’re insuring the structure of your home and your personal belongings in your home. Once you have determined the best coverage for your family’s needs, you’re ready to obtain home insurance quotes. Call agents in your local area, contact several insurance companies directly or use InsuranceQuotes.com to instantly get competitive home insurance quotes from the nation’s leading insurance providers. Take the time to protect you and your family today.