Does Renters Insurance Cover Mold, Bed Bugs or Other Household Hazards?

Renters insurance is a valuable tool for protecting your personal belongings and providing peace of mind while renting a home or apartment. However, many renters may wonder if their policy covers common household hazards like mold, bed bugs or similar issues. Understanding what is and isn’t typically covered can help you make informed decisions about your protection.

What Does Renters Insurance Typically Cover?

Most renters insurance policies are designed to protect your personal property financially against risks such as fire, theft, vandalism and certain types of water damage. Policies may include liability coverage, which may help if someone is injured in your rental or if you accidentally cause damage to someone else’s property. Additionally, renters insurance may cover additional living expenses if your rental becomes uninhabitable due to a covered event.

Mold, Bed Bugs and Other Exclusions

Renters insurance often has the following exclusions:

• Mold—Renters insurance generally does not cover damage caused by mold, fungus or rot unless it results directly from a covered peril, such as water damage from a burst pipe. Even then, coverage may be limited and subject to specific policy terms.
• Bed bugs and pests—Most standard insurance policies exclude coverage for infestations of bed bugs, cockroaches, rodents and other pests. The cost of extermination and related damages is typically considered a maintenance issue and is not covered.
• Other household hazards—Issues like gradual wear and tear, maintenance problems, or damage from neglect are usually not covered. Renters insurance is intended for sudden and accidental losses, not ongoing issues.

Understanding Your Policy and Filling Gaps

Because coverage can vary, reviewing your policy documents and asking questions about specific exclusions is important. If you’re concerned about mold or pest risks, consider discussing additional coverage options or preventive steps with your landlord. In Texas, landlords may have specific responsibilities for maintaining habitable living conditions, but renters insurance is not a substitute for property maintenance.

Learn More

The team at Primo Tax & Insurance is here to help renters understand their insurance options and identify any gaps in coverage. Contact us today for personalized assistance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.