Does Geico Renters Insurance Cover Bed Bugs? 
I ca n't specifically speak for Geico because I do n't represent them and I have n'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 could n'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 . 