🛏️ 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.

🛏️ Bedbug Coverage

✅ What’s Covered:

Coverage includes up to $1,000 per certificate period for:

• Hiring a licensed professional exterminator
• Treatment of the infested unit
• Treatment of immediately adjacent units when required to prevent the infestation from spreading
• Disposal of infested property when necessary as part of the remediation process

❌ What’s Not Covered:

Coverage does not apply to:

• Preventative treatments or inspections
• Infestations that are not confirmed to be bedbugs
• Replacement of furniture, mattresses, bedding, clothing, or other personal property
• Costs that exceed the $1,000 coverage limit
• Expenses not directly related to the remediation of a verified bed bug infestation

🦠 Mold Coverage

The Limited Fungi, Wet or Dry Rot, or Bacteria Coverage endorsement does not provide coverage to clean up mold in your unit or replace mold-damaged belongings.

Instead, it provides up to $10,000 in liability coverage if you become legally obligated to pay damages because of bodily injury or property damage to others arising from fungi, mold, mildew, wet rot, dry rot, or bacteria.

Examples

This coverage may apply if:

• Another person claims they suffered bodily injury due to mold and you are found legally liable
• Another person's property is damaged by mold and you are found legally liable

❌ What’s Not Covered:

• ❌ What's Not Covered
• Mold remediation or cleanup costs in your own unit
• Replacement of your personal belongings damaged by mold
• Maintenance issues or repairs to the building
• Any amount above the $10,000 limit

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

Updated on: 09/06/2026