As the seasons change, homeowners in New Mexico often face an increase in pest activity. From termites silently damaging a home’s foundation to rodents chewing through wires, these issues can lead to costly repairs. But does Home Owners Insurance in Albuquerque NM cover pest-related damage? Let’s take a closer look at what most policies include—and what they don’t.
Does Home Insurance Cover Pest Damage?
In most cases, standard home insurance policies do not cover damage caused by pests. This is because infestations are considered preventable with routine maintenance and pest control. Insurance providers typically exclude coverage for termite damage, rodent infestations, or other pest-related destruction.
However, there are some exceptions:
- Resulting Damage: If rodents chew through electrical wiring and cause a fire, your home insurance policy may cover the fire damage, even though it won’t cover the rodent issue itself.
- Structural Collapse: If termites weaken your home’s structure and cause a sudden collapse, some policies may offer protection.
- Personal Property Coverage: While home insurance typically excludes pest-related destruction, if a covered event (like a fire) damages your belongings, personal property coverage may apply.
Protecting Your Home from Pest Damage
Since insurance won’t typically cover termite or rodent damage, prevention is key. Here are a few ways to protect your home:
- Schedule Annual Inspections: Regular termite and pest inspections can help catch issues early.
- Seal Entry Points: Close gaps, cracks, and holes in your home’s foundation and walls.
- Store Food Properly: Keep pantry items in sealed containers to avoid attracting pests.
- Control Moisture: Fix leaks and ensure proper drainage to prevent damp areas where pests thrive.
Reviewing Your Coverage
If you’re uncertain about what your home insurance covers, it’s important to review your policy. Working with trusted local experts, like our team at ABQ Insurance, can help you find the best coverage for your needs.
While standard policies may not cover termite or rodent damage, having the right Home Owners Insurance in Albuquerque NM can still protect you from other unexpected disasters. Stay proactive by maintaining your home and ensuring you have the right insurance coverage in place.
