🛏️ Bedbugs & Mold – What’s Covered (and What’s Not)

Tenant insurance can help in certain situations when it comes to bedbugs or mold, but there are limits. Here’s a clear breakdown of what’s included — and what isn’t — under the endorsements.

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🛏️ Bedbug Coverage

✅ What’s Covered:

• Up to $300 per occurrence (once every 12 months)

• Professional pest control services to treat an active bedbug infestation

• Cost to remove and replace affected bedding or furniture that cannot be salvaged

• Personal property (such as soft furnishings) may be covered if removal is deemed necessary by the licensed pest control professional

• Must be confirmed by a licensed pest control professional

❌ What’s Not Covered:

• Preventative treatments or inspections

• Any infestation not caused by bedbugs

• Damage to electronics, clothing, or personal items, unless explicitly required for removal

• Cosmetic damage to furniture or belongings that remain usable

• Costs beyond the $300 limit

• Multiple claims within the same 12-month period

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🦠 Mold Coverage

✅ What’s Covered:

• Up to $1,000 per occurrence (once every 12 months)

• Removal, cleaning, or remediation of mold, mildew, fungi, or spores

• Belongings affected by mold

• The mold must result from a covered peril (e.g., burst pipe, sudden water damage)

❌ What’s Not Covered:

• Mold caused by ongoing leaks, poor ventilation, or lack of maintenance

• Any damage from general dampness or humidity

• Mold removal not tied to a covered event

• Costs beyond the $1,000 limit

• Multiple claims within the same 12-month period

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Still have questions? Click the chat bubble in the bottom-right corner of your screen — we’re here to help! 💬

Updated on: 21/05/2025