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    Does Tenant Insurance Cover Insect Removal?

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    As a renter, dealing with unexpected issues in your home can be both stressful and costly. One such issue that often leaves tenants puzzled is insect infestation. From ants to bedbugs, you may be wondering if tenant insurance covers insect removal. While most policies do not include insect removal, we'll be taking a look at the ins and outs of this important question.

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    Understanding Tenant Insurance

    Tenant insurance, also known as renters insurance, is designed to protect your personal belongings and provide liability coverage. It typically includes three main components:

    • Contents Coverage: Protects your personal property against risks such as fire, theft, and certain types of water damage.

    • Additional Living Expenses: Covers the cost of temporary housing if your rental unit becomes uninhabitable due to a covered peril.

    • Personal Liability: Protects you against legal liability if someone is injured or their property is damaged due to your actions.

    Related Read: Do I Need Tenant Insurance?

    Coverage for Insect Removal

    Unfortunately, tenant insurance policies, including those from APOLLO Insurance, generally do not cover the cost of insect removal. This exclusion is common across most insurance providers. The rationale behind this is that insect infestations are considered a maintenance issue rather than an insurable event. As such, it falls under the responsibility of the tenant or landlord to address these problems through regular upkeep and pest control measures.

    Related Read: How to Prevent Bed Bugs

    What to Do If You Have an Insect Infestation

    1. Notify Your Landlord: The first step is to inform your landlord or property manager about the infestation. They are typically responsible for ensuring the rental unit is habitable and may arrange for pest control services.

    2. Review Your Lease Agreement: Check your lease to see if there are specific clauses related to pest control. Some leases may outline responsibilities for both tenants and landlords regarding maintenance and pest prevention.

    Related Read: Questions You Should Ask Before Signing a Lease Agreement

    3. Take Preventative Measures: Keep your living space clean, dispose of garbage regularly, and seal any cracks or entry points where insects might enter. Preventing infestations is often easier and less costly than dealing with them after they occur.

    Why Choose APOLLO Insurance?

    While tenant insurance may not cover insect removal, having a comprehensive policy in place is still essential for protecting yourself against other unforeseen events. APOLLO Insurance offers flexible and affordable tenant insurance policies that provide peace of mind. Here’s why you should consider APOLLO for your insurance needs:

    • Easy Online Process: Get a quote, customize your coverage, and purchase your policy in just minutes through our user-friendly online platform.

    • Affordable Rates: Enjoy competitive pricing without compromising on the quality of coverage.

    • Exceptional Customer Service: Our team of experts is always ready to assist you with any questions or concerns, ensuring you have the support you need.

    APOLLO Insurance offers tenant insurance for Canadians that's as effortless as it is affordable. Get your free quote now and you can be insured in less than a minute, with policies sent directly to your inbox.

    Get comprehensive Tenant Insurance for what matters

    Get no-nonsense coverage that's the best value for your money. Purchase in less than a minute, receive your policy instantly, and save when you buy online.

    Originally published June 27, 2024, updated June 28, 2024

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    APOLLO Insurance Agency Ltd. (o/a APOLLO Brokerage in the province of Ontario only) is a licensed retail brokerage, offering our clients with a comprehensive set of insurance solutions to meet their individual needs. APOLLO Insurance Agency Ltd. maintains necessary corporate licensing in provinces across Canada. Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company's discretion and product availability.

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