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Damage to rodents and insurance

As colder weather approaches, outdoor needs will begin to look for warmer places to live, including your house and car. A small rodent can cause extensive damage to your property that may not be covered by your home or car insurance, so it is important to take appropriate precautions. can do to prevent injury.

Rodents and damage to property

There are many reasons why a rodent may be in your home or car. The weather is getting colder, cars are sitting still for long periods due to the pandemic and the vehicles' undercarriages are made with natural products such as soy that appeal to many rodents.

Rats, mice, chipmunks and squirrels are all rodents defined by "a gnawing animal." Their jaws and teeth never stop growing, so chewing on objects is their way of maintaining a desired tooth length. These mammals can chew through a variety of materials including plastic, metal, wires and wood. Given that both your car and your home are made of these materials, the possibilities for damage are endless. Serious damage can lead to subsequent problems such as fire and erosion. In addition to physical damage to your home or car, rodents can carry terrible diseases that can lead to you or a loved one being very ill.

What is covered

In general, homeowners and car policies differ when it comes to covering damage to rodents. It is always smart to consult your insurance agent if you have any questions or concerns.


If you have comprehensive coverage as part of your car insurance, rodent damage is likely to be covered. Examples of extensive coverage are: a tree falling on your car, vandalism, deer attack and a rat deciding that your car engine should be a good home.


Rodent damage is usually not covered by a homeowner's insurance. This is mainly due to the fact that most insurance companies assume that regular maintenance of the home will prevent rodents from entering the home and doing damage. The key is to deal with the situation as soon as you can after realizing that the rodent attack has taken place.

Prevention of rodent damage

Although there is always a possibility that something will happen and is out of your control, there are steps you can take that can reduce the likelihood of a rodent attack in your home and your car.


Animals like to walk where food is plentiful. Where food is plentiful, they like to store food and set up nests. Garbage cans and bird feeders are both good sources of nutrition for a rodent, so parking your car far from them is a good step to take. Keeping your car clean of food debris or drawers is another good step to prevent. In addition, there are now rodent-proof electrical bands like this one on the market to prevent rodents from chewing through wires. For more tips on keeping rodents away from your vehicle, check out this video from car expert Brian Bowersock.


Keeping your home sealed and free from ideal nesting sites, such as piles of leaves and deep mulch, will deter rodents from roaming and entering your property. Make sure that the food sources are secured in a tight-fitting lid. By moving compost bins far away from your home and keeping clean outdoor cooking areas, you take the necessary steps for home maintenance and rodent prevention.


By taking preventive measures you limit the risk of a rodent entering your home or vehicle and causing major damage. It is important to know the signs of rodents so that you can take action as soon as possible.

9 signs of rodent infestation:

  1. Chewing marks
  2. Musky or smelly odor
  3. Odd pet behavior
  4. Waste
  5. Footprints
  6. Allergies
  7. Holes
  8. Noise
  9. Functional problems (ie car not starting, floods)

If you have any questions or concerns about your current policy, call your agent! In the meantime, assess your home and your car's current condition to identify any opportunities for rodents to enter.

Legal disclaimer. Comments expressed here do not constitute legal advice. The information here is for general guidance only and not to provide legal advice. The discussion about the language of insurance is only descriptive. Each policy has a different policy language. Coverage offered under an insurance policy that is issued is subject to individual insurance terms. See your actual language policy.

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