Will Home Insurance Cover Pest Control?

Nederland, TX gets its share of pests during certain months, but, unfortunately, home insurance generally won’t cover the costs associated with getting rid of them, or repairing the damages.

This comes down to a couple of simple reasons:

  • Pest control is a matter of home maintenance. Your home insurance doesn’t cover cleaning supplies or replacement A/C filters, so it probably doesn’t cover pest control, either.
  • Generally speaking, pest control isn’t worth filing a claim over. Unless you have a termite infestation that you allow to get out of hand, controlling and correcting a pest situation is probably going to cost you less than the deductible you would pay to have your home insurance company take care of it.

The truth is that if more home insurers offered coverage for pest control and damages relating to pests, most of their customers wouldn’t take them up on it. Mousetraps cost about a dollar each and exterminators typically don’t charge enough to bother calling your insurer over. Home insurance is there to cover the big things, the stuff that we can’t easily cover ourselves out of pocket, so there’s not much cause, on the customer side or on the provider side, to worry about insurance for pest control or repairing damages left by an infestation.

If you’re still shopping around for home insurance in the Nederland, TX area, give FB Taylor a call and see what they can do for you, or get in touch through their website. Pest control is something most homeowners can handle themselves, but when it comes to storms and wind damage, you’ll be glad you have FB Taylor in your corner to help you handle the big damages.