Does homeowners insurance cover bed bugs?


Homeowners insurance doesn’t cover bed bugs or any other type of insect or rodent infestation that could be considered a home maintenance issue.

Kara McGinley


Kara McGinley

Kara McGinley

Editor & Licensed Home Insurance Expert

Kara McGinley is an editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

Updated March 21, 2022 | 3 min read

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The process of ridding your house of a pest infestation — be it cockroaches, termites, or fleas — can be time consuming and costly. Depending on the type and severity of the infestation, it could take weeks for your house to get back to normal.

One particular type of pest that is notoriously hard and expensive to get rid of: bed bugs. If you have a bed bug infestation, you might wonder if your homeowners insurance can help you pay for the extermination. Though homeowners insurance covers a variety of perils, bed bugs and other pest infestations are typically excluded from home insurance coverage.

Key Takeaways

  • Homeowners insurance does not cover bed bug infestations or any other type of pests like termites or carpenter bees.

  • Bed bug infestations are considered a home maintenance issue — and homeowners insurance companies won't cover preventable hazards.

  • Bed bug extermination costs an average of $1,000 to $2,500 — though prices vary depending on where you live and the extent of the infestation.

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Why homeowners insurance doesn’t cover bed bugs

Bed bugs, termites, and other pests are excluded from homeowners insurance coverage because they're seen as a preventable hazard. Bed bug infestations are considered a matter of home upkeep, not something that's sudden and accidental — a requirement to be covered by homeowners insurance.

Below are common home insurance perils that are covered by a home insurance policy:

→ Learn more about what homeowners insurance covers — and doesn't

When homeowners insurance might cover infestations

There are specific circumstances when homeowners insurance might cover pest infestations if it was caused by an event that’s covered by your policy — what's referred to as a proximate cause. If the peril that's considered the proximate cause of an infestation is covered, then you may be reimbursed for the extermination and other losses.

Let's take a look at an example.

Say a pipe bursts in your home and causes water damage that leads to a termite infestation. Your home insurance company might reimburse you for the resulting termite damage since the proximate cause — a burst pipe — is covered by your policy.

How much does it cost to treat bed bugs?

The average cost of bed bug extermination is $1,000 to $2,500, according to HomeAdvisor. [1] However, how much you pay will vary depending on where you live, the size of the infested area, and the severity of the problem. It typically requires two to three sprays by an exterminator over a span of two weeks.

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What causes bed bugs?

Bed bugs aren’t caused by events like water damage, fire, or a damaged roof. And contrary to popular belief, bed bugs also aren’t attracted to dirty or unclean areas.

Bed bugs are hitchhiker bugs, so many times they stick to your clothes and you unknowingly bring them back to your house. Or if you live in an apartment complex, they can travel through vents from apartment to apartment.

Since proximate cause would very rarely apply to bed bugs, it’d have to be a really unique situation for your insurer to consider covering them.

Bed bugs and Airbnb guests

Home-sharing services typically offer limited coverage for damage caused by guests. Unfortunately, if your Airbnb guest brings bed bugs into your home, you won’t be covered for the damage those pests cause.

What to do if you have bed bugs

If you have bed bugs, don’t panic. Bed bugs don’t actually carry any disease and aren’t harmful beyond the itching and swelling caused by bites. However, bed bugs can damage furniture, like your bed, couch, and even your bookshelf.

Common signs of bed bugs

Bed bugs are small and they bite at night while you’re sleeping, so they can be difficult to spot.

Here are a few common signs of bed bugs that you should look out for:

  • Red, clustered bites on your legs or arms

  • Specks of blood on your pillowcase or sheets

  • Black specks on your mattress and small shedded exoskeletons

Pest control can come to your home to assess the infestation and confirm if you have bed bugs or not. If you do have bed bugs, the extermination process typically takes two weeks. Exterminators typically spray twice — once on day one and once on day fourteen.

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How to minimize a bed bug infestation

Here are a few measures you can take to help minimize your infestation.

  1. Wash and dry anything you can on high heat. Bed bugs cannot survive in extreme temperatures. You should gather all of your washing-machine-friendly belongings, wash them, and then dry them in the dryer on high heat. You should then seal your belongings in plastic bags while your home is treated.

  2. Vacuum furniture, rugs, and curtains. You should empty the vacuum bag afterwards, seal it with tape, and then throw it away.

  3. Highly infested furniture may need to be thrown away. However, depending on the size of the infestation, a chemical treatment may exterminate all the bed bugs in your furniture.