There’s nothing worse than moving into a new Pismo Beach, CA apartment and discovering bed bugs throughout your home. If you have a renter’s insurance policy from Neff & Associates Insurance Services Inc or any else, you need to understand what your policy will cover and what it won’t cover.
Does Renters Insurance Cover Bed Bugs?
Renters insurance typically covers the physical damage done to a home but does not cover pest infestation. That problem is true of bed bugs, which rarely cause real physical damage to a home. Even worse, the liability policy of most renters insurance won’t cover you if a visitor gets bitten by bed bugs.
There are exceptions to this fact, however, and some policies will cover bed bugs. It all depends on where you get your insurance and what the company is willing to handle. However, finding a policy that covers bed bugs may require looking to alternative policy sources, including expanded renters insurance policy options.
What Policies Will Cover Bed Bugs?
All-risk insurance is a great choice for renters because it will cover just about everything that can happen to an apartment. For example, it will cover bed bug infestations and will pay for getting them treated and eliminated from an apartment and protect your home from a new infestation.
Make sure, though, that you read through a policy carefully to ensure that there are no exclusions listed for pests. Even some all-risk renters insurance policies have exclusions for certain issues and bed bugs and other types of pests often quality as an exclusion.
Learn More About Renters Insurance
While many types of Pismo Beach, CA renter’s insurance policies do not cover bed bugs, that doesn’t mean that policies aren’t available that do. So if you are curious about this type of policy and want to ensure you are fully covered, please contact Neff & Associates Insurance Services Inc to learn more.