Pests refer to insects, rodents, or other unwanted animals that can cause damage to a home’s structure, wiring, insulation, or personal property. Examples include termites, mice, rats, carpenter ants, and squirrels.

Most standard home insurance policies do not cover damage caused by pests, as infestations are considered preventable maintenance issues rather than sudden or accidental losses. This includes structural damage from termites, chewed electrical wires from rodents, or contamination from droppings.

Homeowners should conduct regular inspections, seal entry points, and address infestations promptly to avoid costly damage. However, some policies may cover secondary damage if pests cause a sudden peril, such as a fire resulting from rodents chewing through wiring.

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Pest Prevention | Keep Your Home Pest-Free with Proactive Measures

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Pests can cause structural damage, contaminate food, and pose health risks, making proactive prevention essential since home insurance doesn’t cover pest-related damage. Key prevention tips include proper food storage, maintaining outdoor vegetation, regular home inspections, and keeping living spaces clean to minimize pest attraction. For persistent issues, professional pest control may be necessary, and Murphy Insurance is available to provide guidance on home protection and insurance coverage.

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