Does renters insurance cover bed bugs? 
If you find your home infested with bed bugs , will your renters insurance policy cover the clean-up and debugging expense ? In most cases , the answer is unfortunately no . The majority of renters insurance policies will cover the following general perils : - Fire damage - Damage as a result of a natural disaster ; windstorms , hail , lightening -LRB- flood damage is often not covered by most policies -RRB- - Smoke damage resulting from fire within the unit or from nearby units - Vandalism - Burglary/Theft - Damage caused by a fallen roof ; often caused by water , snow and/or ice build up - Damage from appliances ; water heaters , steam heaters , air conditioners - Fallen objects - i.e. trees , power lines - Freezing of plumbing , heating or air conditioning pipes But , most renters policies currently exclude vermin infestation , which encompasses bed bugs , despite the recent rise in reported incidents nationwide . Bed bugs can become expensive guests , causing a damage and costly clean up -LRB- debugging , steam cleaning and the cost of relocation during the clean-up -RRB- . Plus , they spread to other homes around the infested area quickly through animal and human transfer . Until renters policies begin to cover bed bug infestations , the best plans of attack are prevention and to build a rainy day fund for general home emergencies . 