Does renters insurance cover bed bugs?

For many renters, the mere mention of bed bugs is enough to induce a feeling of dread. And if you ever discover that they’ve taken up residence in your home, you’ll want to take action as quickly as possible.

Unfortunately, getting rid of a bed bug infestation isn’t quite as simple as hosing your place down with some insecticide. The process can be difficult, time-consuming, and in many cases, expensive. That’s what leads many people facing this issue to wonder, “does renters insurance cover bed bugs?” We’ll answer that on this page—along with several other common questions about renters insurance and bed bugs.

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How much does it cost to get rid of bed bugs if renters insurance doesn’t cover it?

Hiring a professional exterminator is the most effective way to get rid of a bed bug infestation, but it isn’t exactly cheap. Most professionals charge between $500 to $1,500 for bed bug removal.

Getting rid of bed bugs also often involves replacing furniture, clothing, and other personal belongings—all of which add to the total cost you’ll be paying unless your renters insurance has bed bugs protection.

Are landlords responsible for bed bugs?

Considering the expense involved in treating a bed bug infestation, many renters wonder whether their landlord is responsible for the expense.

The answer to that question varies by location. New York City’s Administrative Code, for example, includes bed bugs in the list of insects a landlord is legally obligated to eradicate. So before you call an exterminator, check city and state laws to see whether your landlord is required to help with the problem.

As a caveat, many laws surrounding bed bug treatment don’t specifically state how infestations must be eliminated. This means that even if your landlord agrees to pay for an exterminator, it’s in your best interest to read up on bed bug removal and make sure you’re taking all of the proper steps to prepare for treatment.

Are bed bugs covered under renters insurance?

Renters insurance offers protection for your personal belongings against a range of risks, described in a policy as “covered perils.” In most plans, covered perils include things like fire, theft, and burst pipes.

Specifically, though, you’re probably asking “Will renters insurance cover bed bugs?” Unfortunately, bed bugs is not a covered peril in a standard renters insurance policy. In fact, the same holds true of all pests—including rodents, cockroaches, and other insects. Deterring and eliminating these pests is typically considered the responsibility of the tenant, meaning that most renters insurance policies won’t cover the cost of an exterminator.

Renters insurance and bed bug coverage from Jetty

At Jetty, we know that dealing with a bed bug infestation is a pain. That’s why the Jetty Bedbugs Coverage Power-Up is automatically included in every renters insurance policy we offer. This add-on works out to $1 per month, or $12 per year (in most states), with no deductible if you file a claim.

If a licensed pest control professional certifies that you have bed bugs, you’ll get $300 to help offset the cost of eliminating them. So, the next time you ask “does renter insurance cover bed bugs?” you’ll actually be pleased with the answer. As long as you can prove that you have a bed bug infestation, we’ll issue a check with no other questions asked.

While this renters insurance bed bug add-on likely won’t cover everything, it’s designed to help when you’re in the middle of dealing with the issue—and to offer some support where you wouldn’t get it from a standard renters insurance policy.