Does Home Insurance Cover Bed Bugs? Protect Your Famly

Bed bugs are small, blood-sucking insects that can infest your home and cause itchy, red bites on your skin.

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Does Home Insurance Cover Bed Bugs?

They are notoriously hard to get rid of, and often require professional extermination services that can be costly and time-consuming.

If you have a bed bug problem, you might wonder if your home insurance policy can help you pay for the treatment. Unfortunately, the answer is usually no.

In this article, we will explain why home insurance does not cover bed bug treatment, and what you can do to prevent and deal with bed bug infestations.

READ MORE: Does Home Insurance Cover Theft? What You Need To Know

Why Home Insurance Does Not Cover Bed Bug Treatment

Home insurance policies are designed to protect you from sudden and accidental losses that are beyond your control, such as fire, theft, or water damage.

Bed bug infestations, on the other hand, are considered a preventable hazard that results from poor home maintenance.

Home insurance companies assume that homeowners are responsible for keeping their homes clean and pest-free, and that bed bug infestations can be avoided with regular inspection and sanitation.

Therefore, home insurance policies typically exclude bed bugs and other pests, such as termites, cockroaches, or rodents, from their coverage.

There are some rare exceptions where home insurance might cover bed bug treatment, if the infestation was caused by another covered peril.

However, this is a very unlikely scenario, and you should not count on your home insurance to cover bed bug treatment in most cases.

How Much Does It Cost to Treat Bed Bugs?

The cost of treating bed bugs depends on several factors, such as the size and location of your home.

According to HomeAdvisor, the average cost of bed bug extermination in the United States is $1,000 to $2,500, but it can range from $300 to $5,000 or more.

Some of the common methods of bed bug treatment include:

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Methods of bed bug treatment

This involves raising the temperature of your home to above 120°F for several hours, using special heaters and fans.

This method is effective at killing all stages of bed bugs, but it can be expensive and may damage some of your belongings.

  • Chemical treatment

This involves spraying pesticides or insecticides on the infested areas, such as mattresses, furniture, or carpets.

This method is cheaper than heat treatment, but it may require multiple applications and may not kill all the bed bugs.

It may also pose health risks to you, your family, and your pets.

  • Freezing treatment

This involves using liquid nitrogen or dry ice to freeze the bed bugs and their eggs.

This method is eco-friendly and safe, but it can be costly and may not reach all the infested areas.

In addition to the cost of the treatment, you may also have to pay for other expenses, such as:

1.Replacing items that are infested or damaged by bed bugs, such as bedding, clothing, or furniture.
2.Living expenses during the treatment, such as hotel fees, food, or transportation.
3.Medical expenses for treating bed bug bites, such as antihistamines, creams, or antibiotics.

How to Prevent and Deal with Bed Bug Infestations

The best way to avoid the hassle and expense of bed bug treatment is to prevent them from infesting your home in the first place. Here are some tips to prevent and deal with bed bug infestations:

1.Inspect your home regularly for signs of bed bugs, such as live or dead bugs, shed skins, eggs, fecal stains, or blood spots.

Pay attention to areas where you sleep or rest, such as mattresses, box springs, bed frames, headboards, sofas, or chairs.

2.Vacuum your home frequently, especially the areas where bed bugs can hide, such as cracks, crevices, seams, or folds.

Dispose of the vacuum bag or contents in a sealed plastic bag and throw it away outside your home.

3.Wash and dry your bedding, clothing, and other fabrics on the highest heat setting possible.

This will kill any bed bugs or eggs that may be on them.

Store them in sealed plastic bags or containers until the infestation is gone.

4.Avoid bringing bed bugs into your home from outside sources, such as hotels, motels, hostels, or other places where people sleep.

When you travel, inspect your luggage and belongings for bed bugs before you bring them into your home.

You can also use a luggage heater or a portable steamer to kill any bed bugs that may be on them.

5.If you suspect that you have a bed bug infestation, act quickly and contact a professional exterminator.

Do not try to treat the infestation yourself with over-the-counter products or home remedies, as they may be ineffective or harmful.

Follow the instructions and recommendations of the exterminator, and cooperate with them throughout the treatment process.


Bed bugs are a nuisance that can cause discomfort, stress, and financial loss.

Unfortunately, home insurance does not cover bed bug treatment, as it is considered a preventable hazard.

Therefore, you should take steps to prevent and deal with bed bug infestations.

If you need help finding a reliable and affordable bed bug exterminator, you can use PolicyScout to compare quotes.

PolicyScout is a free online service that helps you find the best home insurance and pest control services for your home.

Visit PolicyScout today and get rid of bed bugs for good..

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