Does Texas home or landlord insurance cover rodent damage?

Home insurance policies can vary in terms of their coverages, exclusions, and limits. In Texas, as in many other states, standard homeowners insurance policies typically do not cover damage caused by rodents (such as rats, mice, and squirrels) under their basic terms. Here are some reasons why:

1. Maintenance Issues: Insurance often considers rodent infestations a maintenance issue, believing homeowners should be responsible for preventing such issues by routinely checking and maintaining their properties.
2. Gradual Damage: Most insurance policies do not cover damage that happens gradually, which is often the case with rodent damage. Insurance is primarily intended to cover sudden and accidental damage.

However, sometimes wildlife damage from Bears or Deer for example may be covered.  It’s essential to read your policy or speak with your insurance agent to understand the specific coverages and exclusions. Some homeowners might purchase additional coverages or endorsements that could potentially cover such damages. Always review your policy details and discuss any concerns with your insurance provider.

Remember, while damage caused by rodents may not be covered, the removal of the rodents themselves would likely also be an out-of-pocket expense. It’s crucial to address any potential rodent issues early to prevent more significant damage and higher costs down the road.