48 Does Progressive Renters Insurance Cover Bed Bugs

Does Progressive Renters Insurance Cover Bed Bugs

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How To Read A Renters Insurance Policy The Zebra

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Does renters insurance cover bed bugs, mice, and other pests?

Does progressive renters insurance cover bed bugs. Fortunately, proper insurance offers bed bug insurance protection which covers bed bug liability, bed beg extermination, and lost short term rental income, up to your policy limits. Therefore, a standard homeowner insurance policy wouldn’t cover the cost for bed bug infestations. In some states and cities, landlords are required to cover the costs of extermination, but not most.

But, most renters policies currently exclude ‘vermin infestation’, which encompasses bed bugs, despite the. One important fact to note: In most cases, the answer is unfortunately ‘no’.

This is why some homeowners would assume that bed bug infestation is an accidental occurrence that is covered by their insurance policy. A lot of tenants are surprised to learn that renters insurance doesn't cover bed bugs. Renters insurance generally does not cover bed bugs.

In many cases, however, your landlord is legally responsible for. Most renters insurance does not cover bedbugs, with a few exceptions. In fact, they don’t cover bed bugs, rodent, vermin, or any kind of infestation at all.

Does renters insurance cover bed bugs? There are exceptions to this rule, depending on where you live and whether the source of the bed bugs can be determined, but you should be prepared to take financial responsibility for the infestation. Insurers consider bed bugs not as an essential peril—like hail or fire—but a failure of the owner to properly maintain their property.

Most renters insurance policies do not cover damage costs associated with bed bugs as they are considered a maintenance issue, along with rodents. If you own a vacation rental, you have the risk of guests bringing bed bugs into your home. Bed bug treatments are not covered by most renters insurance, including lemonade’s.

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