Live Insurance News

Homeowners Insurance Won’t Pay For Bed Bugs

November 16, 2013February 11, 2014 Guest Author

According to the “2013 Bugs Without Borders Survey” from National Pest Management Association (NPMA), nearly 100 percent of the pest control companies that responded said they had worked on one or more bed bug infestations in 2012. Bed bugs are found almost anywhere people sleep — homes, hotels, motels and college dorms. Your challenge as a homeowner is that your insurance doesn’t cover the damage done by bed bugs, or any destructive insect. A Little Bug Causes Big Headaches They are small, wingless creatures that feed on the blood of…

Does Home Insurance Cover Insect or Pest Damage?

June 2, 2013February 13, 2014 Guest Author

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…