Does Home Insurance Cover Rat Infestation? What You Need To Know

Rats are not only unpleasant and unhygienic, but they can also cause significant damage to your home and belongings.

rat infestation
does home insurance cover rat infestation | Progresive

If you discover a rat infestation in your house, you may wonder if your home insurance policy will cover the costs of repairing the damage and removing the rodents.

Unfortunately, the answer is usually no. In this article, we will explain why home insurance does not cover rat damage, what exceptions may apply, and how you can prevent and deal with a rat infestation.

Why Home Insurance Does Not Cover Rat Damage

Home insurance policies typically cover damage to your dwelling, other structures, and personal property caused by certain perils, such as fire, theft, vandalism, windstorm, hail, lightning, and water damage.

However, most policies exclude damage caused by rodents and vermin, such as rats, mice, squirrels, raccoons, bats, insects, and termites.

The reason is that home insurance companies consider rodent infestation as a preventable loss, or an issue that could be avoided with proper maintenance, standard inspections, and preventive measures.

Therefore, if rats chew through your woodwork, furniture, insulation, pipes, or wiring, you will have to pay for the repairs out of your own pocket.

When Home Insurance May Cover Rat Damage

There may be some scenarios where home insurance will cover the consequences of rat damage, rather than the damage itself.

For example, if a rat chews through an electrical wire and causes a fire in your home, your home insurance may pay for the fire damage to your house and belongings.

Similarly, if a rat gnaws through a pipe and causes water damage or flooding in your home, your home insurance may cover the water damage to your property.

However, these scenarios depend on the specific terms and conditions of your policy, so you should always check with your insurer before filing a claim.

How to Prevent and Deal with a Rat Infestation

The best way to avoid rat damage is to prevent rats from entering your home in the first place. Here are some tips to keep rats away from your property:

1.Seal any gaps or holes in your walls, floors, roof, or foundation that rats could use to access your home⁴.
2.Keep your kitchen clean and store food in sealed containers⁴.
3.Dispose of garbage regularly and use bins with tight-fitting lids⁴.
4.Trim any overgrown vegetation or branches that could provide shelter or access for rats⁴.
5.Remove any clutter or debris that could attract or hide rats⁴.

If you suspect that you have a rat infestation in your home, you should act fast and take steps to eliminate it. Here are some options to get rid of rats:

1.Use traps or baits to catch or kill rats. Make sure to place them in areas where you have seen signs of rat activity, such as droppings, gnaw marks, or holes.

2.Hire a professional pest control service.

Hire a professional pest control service to inspect your home, identify the source and extent of the infestation, and apply the appropriate treatment to eradicate the rats.

How to Claim for Rat Damage

If you have suffered rat damage in your home, you may want to file a claim with your home insurance company.

However, as we have explained, most home insurance policies do not cover rat damage, unless it leads to another peril that is covered by your policy.

Therefore, before you file a claim, you should:

1.Review your policy documents and check what perils are covered and excluded by your home insurance.
2.Contact your insurer and ask them if your situation is covered by your policy. Be honest and provide as much detail as possible about the damage and the cause.
3.Gather evidence of the damage, such as photos, receipts, or repair estimates.
4.Follow the instructions of your insurer on how to file a claim and what documents to submit.


Rat infestation is a common problem that can cause serious damage to your home and belongings.

Unfortunately, most home insurance policies do not cover rat damage, unless it results in another peril that is covered by your policy.

Therefore, you should take preventive measures to keep rats away from your property, and act quickly to eliminate them if you find them in your home.

If you have suffered rat damage, you should review your policy documents, contact your insurer, and file a claim if applica

Leave a Comment