Does Home Insurance Cover Insect or Pest Damage?

pest vs homeowners insurance

Most standard home insurance policies purchased today cover damages caused by storms, fire, and theft. It may be possible to find coverage for  collateral damage caused by insects and other pests, but generally this  type of protection is not available. The question of whether or not your home insurance covers insect or pest damage can be answered by first determining how the insurance company views  this type of risk as an insurable event and the type of infestation problems you are experiencing in your home. The Purpose of Home Insurance…

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