Pests can cause a range of problems, from electrical fires to unsanitary living conditions. If you’re struggling with pest removal costs, you may wonder if your homeowners’ insurance in California will cover them. Unfortunately, the answer depends on your policy and the circumstances.

Regular Maintenance

Many insurance companies consider pest removal to be the homeowner’s responsibility, as it falls under the category of regular maintenance. This includes preventive measures such as pest control or tree removal.

However, some insurance companies make exceptions for pests that cause significant damage, such as termites. To determine if your pest removal costs are covered, please speak with an agent at Crown Reinas Insurance Agency.

Damages Caused by Pests

Whether damage caused by pests is covered depends on your insurance company and the specific situation. Many policies exclude pest-related damage, citing that proper maintenance could have prevented the issue.

On the other hand, exceptions may be made for sudden situations or covered events. For example:

• If a mouse enters your home and causes an electrical fire, but there isn’t a full-blown infestation.
• If a covered event, such as a tornado, creates a hole in your home that allows pests to enter.

Rarely Covered

Homeowners’ insurance may cover pest removal in rare cases, but general extermination services—such as bed bug removal—are typically not covered. To confirm, review the fine print of your policy or consult your insurance provider.

At Crown Reinas Insurance Agency, we understand how complex insurance policies can be. Our experienced agents can help you determine what’s covered under your policy. Contact us today to learn more. We proudly serve the California area.