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Does my home policy with TD Insurance cover an infestation of bugs or animals?
Your home insurance policy does not generally cover infestations of insects or animals/vermin such as rodents. Handling these types of infestations is part of regular home maintenance, which is the responsibility of the homeowner. A claim or a loss must be sudden and accidental in order to be covered by your home insurance policy.
Please note that the answers to the questions are for information purposes only and do not constitute a legal opinion on the various types of coverage discussed. Individual circumstances may affect your coverage. In case of discrepancy between the answers contained herein and your policy, the policy prevails.