When mice chew through wiring or destroy insulation, homeowners wonder: will insurance cover the damage? The short answer is usually no. Here’s what you need to know about mice damage and homeowners insurance.
Why Mice Damage Is Typically Not Covered: Most standard homeowners policies exclude damage caused by rodents, insects, and vermin. This is considered a maintenance issue—something the homeowner is expected to prevent through routine care. Unlike sudden events like a fire or storm, mouse damage occurs gradually.
Potential Exceptions: If a mouse chews through electrical wiring and causes a fire, the fire damage may be covered—even though the initial mouse damage is not. This is because the fire is a covered peril. However, you would not be reimbursed for the cost of exterminating the mice or repairing the chewed wires themselves.
What to Do If You Discover Damage: Document the damage with photos. Contact your insurer to discuss your specific policy. Obtain a professional assessment and estimate—see how to choose a licensed exterminator. For the cost of treatment, see mice extermination cost.
Prevention Is Your Best Protection: Since insurance rarely covers mice damage, prevention is essential. See our prevention guide. And for common mistakes that lead to damage, see common mice extermination mistakes. For the health risks that accompany damage, see mice health risks.