Does Home Insurance Cover Damages from Bats, Birds, and Vermin?
Your home insurance does not cover damages caused by any rodents, birds, or insects to your house or property. Your standard home insurance policy excludes coverage for the following:
- Domestic Animals
- Farm Animals
- Vermin (honey badgers, insects, skunks, and more)
- Sugar Gliders
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.
A deer runs into your sliding glass door and shatters it. This 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,