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Pests

Worried about bed bugs? Finding evidence of a termite infestation? Mice helping themselves to everything in your kitchen? These infestations don’t usually fall under standard renters insurance policies, but they’re not exactly guaranteed to be your landlord’s responsibility either.

Landlords are bound by the implied warranty of habitability, which requires them to keep homes free from health hazards like insects, rodents, and other pests. However, there are limitations and exceptions to what’s covered under this duty.

Be sure to check your lease for pest clauses and understand what your responsibility might be. If an outbreak does occur, notify your landlord in writing.

Make sure you discuss what your renters insurance policy covers, and what it excludes, with your Breathe Easy licensed insurance agent.