Even homeowner's insurance won't cover incremental or gradual (as opposed to sudden incident) damage from rodents, vermin, etc. There is just too much of it that goes on day in, day out, in every house. For example, if a squirrel lives in your attic and ruins your insulation and wiring you are probably SOL. But if it falls down your chimney and destroys a window to get out, you may be covered.
What About Damage by a Wild Animal?
When a non-domesticated animal damages a structure or dwelling, you may be able to file a claim. If a raccoon ravages your garage, your personal belongings typically won't be covered, but any damage to the garage itself is likely included in your coverage. Similarly, if a bear knocks some siding off your cabin, the damage to the building may be covered. However, damage caused by insects, rodents (for example, rats, mice, squirrels and chipmunks) or birds (although a window broken by a bird may be an exception) is usually not covered by standard homeowners policy. Animal infestations and damage from animal waste or secretions are also generally excluded from homeowners coverage. Should a bat take up residence in your attic, your homeowners insurance is not likely to help with removal, clean-up or repairs to any damage it leaves behind.
You can always ask what a special rider would cost. Or perhaps one of the gentlemen at Lloyd's of London will accept the risk if you can pay in British Pounds... ;-)
Land of 10,000 Lakes
2016 Forester MBS 2401R