🛏️ 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