Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
Renters Insurance does not cover bed bugs. Insects and vermin are a common exclusion on all property policies. This situation would call for an exterminator. If you are unsure and have additional questions I always recommend you contact your local independent agent who can assist you with these type of questions and more. Also an independent agent can help find you the right policy for your needs.
I can't specifically speak for Geico because I don't represent them and I haven't read their policies. I can however, speak from 22 years in this business as both a captive and an independent agent with many years of advanced education. There are usually two coverage forms that are used in renters policies, Broad Form and Special Form. Broad Form lists which perils you're property is insured against and insects are not one of them. Special Form covers everything except what's excluded and insects are excluded so, in general, no, bed bugs would not be covered.
The fact that this question had to be posed here is testament to why you need a good agent. A good agent would be able to answer such a question and, if he/she couldn't, they could find out and would get back to you quickly. Be smart, find an agent you can trust. Even if they cost a little more, they'll save you big dollars in the long run.
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The fact that this question had to be posed here is testament to why you need a good agent. A good agent would be able to answer such a question and, if he/she couldn't, they could find out and would get back to you quickly. Be smart, find an agent you can trust. Even if they cost a little more, they'll save you big dollars in the long run.