Does Geico Renters Insurance Cover Bed Bugs?

Geico is one of the most popular and well-known insurance companies in the United States. They offer a wide range of products, from car insurance to homeowners insurance. One of their most popular products is renters insurance. This type of insurance covers you and your belongings if you lose them or if someone breaks into your home while you’re not there.

Since bed bugs are such a problem these days, many people are wondering if Geico renters insurance covers bed bugs. The answer is, unfortunately, no. Bed bugs are not covered by Geico renters insurance because they are classified as an exotic animal rather than a plant or mammal. This means that Geico does not typically cover damage caused by these pests. However, if you live in an area where bed bugs are common, you may want to consider adding this coverage to your policy.

What is Bed Bugs?

Bed bugs are small, brown insects that feed on human blood. They can be found in hotels, apartments, schools, and other places where people sleep. Bed bugs are not spread through the air, and they cannot fly.

Most people who get bed bugs don’t know it. They may see tiny red bumps on their skin and think there is something wrong with them. If you have bed bugs, you should call a doctor because they can cause serious health problems.

What are the Signs of a Bed Bug Infestation?

When you think of bed bugs, images of small, flat, brown pests that bite people on the neck come to mind most likely. But what are the signs of a bed bug infestation, and can they be treated?

The first indication that bed bugs might be present is an increase in sightings or complaints from residents about bites. Bed bugs feed on human blood and will leave reddish welts when they bite. Additionally, bugs may be found in areas where people sleep or spend a lot of time, such as beds and nightstands.

If you believe you have an infestation, it’s important to take action. Signs that someone is infested may include finding live bed bugs or their eggs in places where they’re not supposed to be (like inside electrical sockets), seeing bug droppings or larvae around the house, and encountering someone with bug bites. Bed bug extermination can often help reduce the number of live bugs present and prevent new ones from entering the home.

Can Geico Renters Insurance Cover Bed Bugs?

Geico renters insurance can cover bed bugs, but there are a few things to keep in mind. Bed bugs are typically covered under standard homeowner’s insurance policies, but they may also be excluded by some companies because they are considered an indoor pests. The important thing to remember when looking into renters insurance is that each policy has different exclusions and coverage details so make sure to read the fine print.


Bed bugs are a big problem in many parts of the world, including the United States. If you’re renting an apartment and have bed bugs, are your renters insurance policies likely to cover them? Unfortunately, it’s not always clear-cut whether or not renters insurance will cover bed bugs. In general, policyholders usually only have coverage for damage done to their own property.

So if you rent from a company that does not provide liability insurance for tenants (like most short-term rental companies), then your only protection is against theft, fire, or other covered accidents. If you suspect that you may have bedbugs but don’t know for sure, it’s important to get advice from a pest control professional. Pest control experts can test your home for bedbugs and give you recommendations on how to treat them if they are found.