Does Home Insurance Cover Pest Control?

Pest control is an expensive proposition. Plant-eating insects, especially termites and ants, can destroy your property in days. When natural predators are taken away, you may not be able to stop the infestation until it's too late. Many homeowners rely on pest control companies to do their dirty work.
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Home insurance typically covers pest control. However, it's important to note that not all home insurance policies are the same, and the coverage for pest control can vary.

What Types of Pests are Covered?
The type of pest control covered by your home insurance policy will depend on the coverage you purchased. Some policies cover all pests, while others may not cover certain types. There are many types of problems, and most home insurance policies cover the following:

• Ants
• Bees
• Centipedes
• Cockroaches
• Fleas
• Rats

What is Not Covered by Home Insurance?
It is important to note that not all types of pest control are covered by home insurance. Generally, home insurance policies do not provide coverage for preventative pest control services. That means you will need to pay for pest control services out of pocket if you want to prevent a pest infestation proactively.

How to Avoid Pests in Your Home
The best way to avoid having to file a claim with your home insurance is to prevent pests from entering your home in the first place. Here are some tips to help keep your home pest-free:

• Seal cracks or openings in your home’s foundation, walls, and ceilings.
• Make sure to keep food stored in airtight containers.
• Regularly check for signs of pests, such as droppings or nests.
• Vacuum and dust your home regularly.
• Declutter your home to reduce hiding places for pests.
• Check for standing water or moisture and fix any leaks.
• Keep your yard clean and free of debris.

Keep Your Home Pest-Free!
When it comes to home insurance, it is crucial to understand what is covered and what is not. While it's not possible to prevent every pest infestation in your home without professional help, it certainly helps a lot if you try to minimize the risk of an infestation as much as possible.

At Roper Insurance Services, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (828) 697-6709. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!