Does renters insurance pay to get rid of fleas?
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Asked July 9, 2015
Renters insurance is a type of home insurance, and generally covers the same types of perils as an HO-2 policy. Like home insurance, it is not meant to be a complete coverage plan, and excludes certain things, including flood damage, acts of God, and infestations of any sort. The problems are that a) It is nearly impossible for an insurance to calculate the potential for infestation to occur, and b) Fleas are not a significant hazard for the home and property.
Fleas, ants, and termites are three common insect infestations in a home. Because all three have the potential to cause damage or illness, trying to include them in a renter’s insurance policy would drive the cost of premiums much higher. Where termites are concerned, a renters policy may not be affected because the structure of the home is the responsibility of the landlord, who should have landlord insurance for that purpose.
Getting rid of fleas is going to be your personal responsibility. The only type of insurance against pest removal is a warranty purchased from a pest control company. Once they have treated your premises, some companies will guarantee the work for a period of time, effectively insuring the property against future infestations. This is not an insurance policy, but it is the only way to get a pest-free contract with a company equipped to deal with the problem.
If you own a dog or cat, there are flea treatments available which will not only kill pests and parasites on the animal, they will kill the eggs of pests and prevent them from breeding. This type of treatment is usually administered every 30 to 90 days, depending on the dosage and the chemical used, and will kill fleas and many other insects after 10-14 days.
Answered July 10, 2015 by Anonymous