Bed bugs in your unit?

Does Renters Insurance Cover Bed Bugs? (US)

Bed bugs are excluded as a pest/maintenance issue. Landlord may be responsible depending on state and lease.

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The short answer

Renters policies exclude bed bugs, cockroaches, and rodents as maintenance/pest issues. Landlord responsibility varies by state — NY, ME, and MD have specific bed bug statutes; elsewhere it depends on lease terms and who introduced the infestation. Document the source and demand written extermination plans.

Frequently asked

Can I break my lease over bed bugs?
Sometimes — habitability laws vary. Document everything and consult a tenant attorney.

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