1. David OsgoodPRO
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    I do not believe any insurance carrier will cover an insect infestation. It is typically expected that the property owner and the tenant will take the necessary precautions to prevent insect infestations. This would not be a typical covered risk which is fire, smoke, lightning, wind to mention the major ones. Please remember every policy and carrier is different. Read your policy completely to understand the coverage provided and any exclusions that it may contain.
    Answered on May 30, 2013
  2. David OsgoodPRO
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Bed bugs are considered a vermin. Typically all homeowners and renters insurance policies do not cover vermin along with other specified exclusions. Please read your policy completely to understand the coverage provided and any exclusion that it may contain or contact your local agent to have them go over the policy with you.
    Answered on June 27, 2013
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