Don’t Bug That Homeowners Insurance Policy

With all the potential dangers facing their homes—severe storms, floods, earthquakes—homeowners who didn’t realize they had to worry about bugs seriously endangering their home may be in for a rude awakening. According to an article recently published on InsuranceAgents.com, homes that don’t take a few simple precautions in preventing bug infestation could sustain seriously damage and will most likely not be covered by their homeowners insurance policy.

“Since most insurance companies consider bug infestations to be a home-maintenance issue, you would be held responsible for taking care of it,” states the article titled, ‘Bug a Boo: The Effect Bugs Have on Homeowners Insurance.’ “Most standard homeowners insurance polices don’t provide coverage against pest-related damage.”

Whether it’s ants, termites, moths, or any other type of bug, homes are in danger if the homeowner does not take a few simple, yet effective precautions.

• Avoid leaving piles of wood in close proximity to the close because it will attract termites and carpenter ants.
• Don’t keep rotten fruit and dead plants around the house.
• Always clean up after pets and keep them bathed regularly.
• Keep water pipes functioning without any leaks.
• Install screens on all windows and doors.

These should all be routine activities in any household regardless of homeowners insurance and bugs but it is especially important in preventing bug infestation and saving an unsuccessful claim on a homeowners insurance policy that is void of bug infestation coverage. Talk to a homeowners insurance agent today about more ways to prevent damage inflicted by causes unlisted in a standard homeowners insurance policy.

Staff contribution: Kyle Fitzsimmons

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