Standard renters insurance covers a wide range of things, but unfortunately, it doesn’t cover losses from bedbugs or other types of vermin or pests. Standard renters also doesn’t cover your belongings damaged by bedbug infestations. However, a newer comprehensive renters insurance policy offers very limited coverage for bedbug remediation and some contents replacement. At Red Rock Insurance serving Las Vegas, NV, we’re familiar with the type of damage done by unwanted pests and why someone would want insurance coverage. Here’s a look at how to handle damage from bedbugs and more.
Rodent and Pest Damage Isn’t Covered by Renters Insurance
Damage caused by rodents and pests isn’t covered by standard renters insurance due to liability issues. Technically speaking, you’re not the party that’s responsible for bugs and critters getting into your home. Instead, insurers place the blame squarely on the property owner because they’re the ones responsible for maintaining the building.
Why Standard Renters Insurance Doesn’t Cover Bedbug Damage
Landlords have a responsibility to keep their property free from pests and vermin. An infestation happens due to poor maintenance, and insurance is designed to cover unexpected losses. Damage by rodents and bugs is a gradual process, something that’s usually visible long before it becomes a problem. If your property is unusable or otherwise damaged by bedbugs, your landlord is responsible for its replacement. Your landlord may carry insurance that covers damage caused by bedbugs, and you can work with them to make a claim.
Call Us to Learn More About Your Renters Insurance Options
At Red Rock Insurance, we’re here to help you understand what a renters insurance policy will and won’t cover. Even though standard renters insurance doesn’t cover bed bug damage, it does cover a lot of other perils and calamities, like injuries that happen in your home, stolen items from your vehicle, and defamation claims. Call us at our office serving Las Vegas, NV, to speak to an agent. Learn more about how standard and comprehensive renters insurance can protect your belongings and liability.
