Does Home Insurance Cover Damage from Bats, Birds, and Vermin?

Does Home Insurance Cover Damages from Bats, Birds, and Vermin?

For the most part, damages caused by any rodents, birds, or insects to your house/property are not covered by your home insurance. This includes damages from:

  1. Bats
  2. Birds
  3. Termites
  4. Domestic Animals
  5. Farm Animals
  6. Rodents
  7. Squirrels
  8. Vermin (eg honey badgers, insects, skunks, etc)
  9. Sugar Gliders (yup...)

    flying squirrel GIF

There are rare scenarios where your specific policy may provide coverage for damage from animals that you don't own and aren't birds, insects, or vermin. For example if a deer runs into your sliding glass door and shatters it, that will likely be covered. It is always best to contact your agent or read your policy if you are unsure. Just don't get your hopes up.

At your service,
Young Alfred