Does My Policy Cover Bed Bugs, Insects, or Termites?

Homeowners often wonder if their home insurance policies provide coverage for infestations of pests like bed bugs, insects, or termites. Here, we’ll clarify what types of infestations are typically covered by home insurance policies.


  • Most standard home insurance policies do not cover termite damage. Termite infestations and the resulting structural damage are considered a maintenance issue and not a sudden and unexpected event. To protect against termites, homeowners usually need a separate termite control or pest control plan.

Bed Bugs:

  • Bed bug infestations are generally not covered by home insurance policies. Similar to termites, bed bug infestations are typically seen as a maintenance issue. Dealing with bed bugs usually requires professional extermination services, which homeowners are responsible for arranging and covering.

Insects and Pests:

  • Home insurance policies typically do not cover damage caused by insects or other pests. Whether it’s ants, roaches, or rodents, infestations and the resulting damage are considered routine home maintenance matters.

Exceptions and Endorsements:

  • Some specialized insurance policies or endorsements may offer coverage for specific types of pest damage. However, these are often separate policies or riders that homeowners must purchase separately. It’s essential to check with your insurance provider to understand any available options.

Preventative Measures:

  • While home insurance may not cover pest infestations, it’s crucial to take preventative measures to protect your home. Regular inspections, routine maintenance, and promptly addressing any signs of infestation can help prevent extensive damage and costly pest control services.

Homeowners are generally responsible for addressing and preventing pest infestations It’s important to review your policy and consult with an agent at Spencer Insurance Agency, Inc. to understand the specific terms and limitations related to pest-related damage.

Call: (215) 885-2200 | Text: (855) 287-2200| Email: INFO@SPENCERINSURANCE.COM

More To Explore

Scroll to Top
Skip to content