Insect, rodent, vermin and animal damage. These are common calls we receive inquiring if the damage is covered by your home, auto or boat insurance. The policies do exclude much insect, vermin and rodent damage. Damage caused by an animal is usually covered. The carrier would need to determine what caused the damage and whether it was a rodent or not. If you see signs of nests, chewed wood, sawdust or other insect or rodent infestation – act quickly to stop a possible uncovered loss. Contact us to see what coverage you have and how to protect your home and belongings.