Is Pest Control Covered by Home Insurance? A Comprehensive Guide

Pest control is a common concern for homeowners, especially if they face an infestation of rodents, insects, or other unwanted creatures.

Pests can cause damage to the structure and contents of the home, as well as pose health and safety risks.

Is Pest Control Covered by Home Insurance?
Is Pest Control Covered by Home Insurance? | Western Financial Group

But does home insurance cover pest control or the damage caused by pests? The answer depends on the type of pest, the type of damage, and the type of policy.

Types of Pests and Damage

There are many types of pests that can invade a home, such as rats, mice, squirrels, wasps, hornets, bedbugs, termites, and more. Each pest can cause different types of damage, such as:

1.Nesting: Pests can nest in the walls, floors, ceilings, or insulation of the home, creating holes, weakening the structure, and increasing the risk of fire or water damage.
2.Chewing: Pests can chew through wires, pipes, wood, furniture, clothing, and other materials, causing electrical, plumbing, or structural problems, as well as ruining personal belongings.
3.Contaminating: Pests can leave behind droppings, urine, saliva, or carcasses, which can contaminate the air, water, or food sources, and spread diseases or allergies.
4.Biting: Pests can bite humans or pets, causing pain, itching, swelling, infection, or allergic reactions.

Types of Policies and Coverage

Home insurance policies vary in terms of what they cover and what they exclude. Generally, home insurance consists of two main components: buildings insurance and contents insurance.

1.Buildings insurance covers the physical structure of the home and its fixtures and fittings, such as walls, roofs, windows, doors, plumbing, wiring, and heating systems.
2.Contents insurance covers the personal belongings inside the home, such as furniture, appliances, electronics, clothing, and jewelry.

Most standard home insurance policies do not cover pest control or damage caused by pests.

Pest control is seen as a maintenance or upkeep cost that homeowners should take care of.

Only in rare cases, when pest damage is outside of your control or caused by unforeseen events, insurance may cover it.

To find out if your insurance covers pest control, you should contact your provider and ask them.

Some examples of when home insurance may cover pest damage are:

1.If a storm or fire damages your roof or walls, and allows pests to enter and cause further damage, your buildings insurance may cover the repair costs of both the initial and the subsequent damage.

2.If a rat gnaws through a water pipe, causing a flood that damages your walls, floors, and possessions, your buildings and contents insurance may cover the repair or replacement costs of the water damage, but not the pipe or the rat removal.

3.If a wasp or hornet nest poses an immediate threat to your safety or makes your home uninhabitable, your home emergency cover (if you have it as an add-on) may cover the cost of removing the nest, but not the damage it may have caused.

Some examples of when home insurance will not cover pest damage are:

1.If you have a long-term or recurring infestation of mice, rats, squirrels, or bedbugs, your home insurance will not cover the cost of exterminating them or repairing the damage they cause, as this is considered a preventable or avoidable problem.
2.If you have damage caused by termites, your home insurance will not cover it, as this is considered a gradual or inevitable deterioration of the wood, which is excluded from most policies.
3.If you have damage caused by pests that are considered pets, such as birds, rabbits, or hamsters, your home insurance will not cover it, as this is considered your own responsibility.

How to Prevent and Deal with Pest Problems

The best way to avoid pest problems and the potential costs and hassles they entail is to prevent them from happening in the first place.

Some tips to prevent pests from entering or infesting your home are:

1.Seal any cracks, gaps, or holes in your walls, floors, ceilings, doors, or windows, where pests can enter or hide.
2.Keep your home clean and tidy, and dispose of any garbage, food scraps, or clutter that may attract or feed pests.
3.Store your food in sealed containers, and keep your kitchen and dining areas free of crumbs or spills.
4.Regularly inspect your home for signs of pests, such as droppings, noises, smells, or damage.
5.Use traps, baits, or repellents to deter or catch pests, or hire a professional pest control service if the problem is severe or beyond your control.

If you have a pest problem and need to deal with it, you should:

1.Identify the type and extent of the infestation, and the potential damage or risk it poses.
2.Contact your home insurance provider and ask them if they cover pest control or damage.
3.Compare the costs and benefits of different pest control options.
4.Choose the best pest control option for your situation, and follow the instructions.
5.Monitor the results and effectiveness of the pest control, and take any necessary follow-up actions.

How much does pest control cost?

The cost of pest control in United States depends on several factors, such as the type of pest, the severity of the infestation, the size of the property, the type of treatment, and the location of the property.

According to some sources, the average pest control prices in USA range from USD 150 to USD 120 per unit for residential properties, and from USD 350 to USD 500 per month for commercial properties.

However, these prices may vary depending on the specific circumstances and the pest control company you choose.

What are some natural ways to control pests?

There are many natural ways to control pests, depending on the type of pest, the extent of the infestation, and the location of the problem.

Is Pest Control Covered by Home Insurance?
Is Pest Control Covered by Home Insurance?| WFG

Some of the most common and effective natural pest control methods are:

1.Cleaning and vacuuming

Keeping your home and garden clean and free of clutter, food scraps, and garbage.

Vacuuming can also help remove pests and their eggs from carpets, furniture, and cracks.

2.Covering and blocking

Sealing any gaps, holes, or cracks in your walls, floors, ceilings, doors, or windows can help prevent pests from entering or hiding in your home.

Covering your food, trash, and compost bins can also help deter pests from accessing them.

3.Trapping and baiting

Using traps, baits, or sticky boards can help catch or kill pests without using chemicals.

You can use natural or homemade baits, such as peanut butter, honey, or sugar, to lure pests into traps.

You can also use pheromone traps to attract and trap certain insects, such as moths or fruit flies.

4.Repelling and deterring

Using natural or homemade repellents, such as essential oils, vinegar, or spices, can help repel pests.

You can spray or sprinkle these substances around the areas where you see pest activity.

5.Planting and attracting

Planting certain herbs, flowers, or vegetables in your garden can help repel or confuse pests.

Some examples of pest-repelling plants are basil, lavender, mint, marigold, garlic, and onion.

6.Spraying and dusting

Using natural or homemade sprays or dusts, such as vegetable oil, soap, neem oil, and diatomaceous earth.

You can make these sprays or dusts by mixing water with the ingredients and applying them to the affected areas.

However, you should be careful not to harm beneficial insects or damage your plants with these substances.


Pest control is not usually covered by home insurance, unless the pest damage is caused an insured peril.

Pest control is generally considered a maintenance or prevention issue that homeowners should handle themselves.

However, pest problems can vary in type, severity, and impact, and so can home insurance policies and coverage.

Therefore, it is important to check your policy details and contact your provider.

It is also advisable to take measures to prevent pests from entering or damaging your home.

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