Ask an Agent: Is a bedbug infestation covered by my homeowners’ insurance?

June 07, 2019
Homeowners Insurance,

Q: Does homeowners’ insurance cover bed bugs?


A: Unfortunately, no. Homeowners’ insurance does not cover bed bugs. Actually, the following are excluded from every home policy: birds, vermin, rodents, and insects. The most common claim question we see from this category involves carpenter ants.

A pest control provider is your best option for recommendations to rid your home of any of the “pests” mentioned above.


What can BHS Insurance help you with? We have over 25 associates dedicated to finding the best coverage for your life, home and auto needs. Request a quote online today.


Answered by:



 Diane Fargo, Account Manager

      38 years’ insurance experience

      18 years at BHS Insurance