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No, pest control is not covered by home insurance. This is considered routine maintenance that is the responsibility of the homeowner. Although this may be discouraging news, don’t let it deter you from taking care of your home so you can prevent pests from entering and becoming a bigger nuisance. Otherwise, you may have a bigger problem on your hands that you’ll also have to cover out-of-pocket.

Setting up an animal trap in your yard largely depends on where you live and the type of critter you're dealing with. In many states, trapping nuisance animals like squirrels, rats, or raccoons is allowed, sometimes without needing a permit. However, certain wildlife species are protected, and not all states have lenient catch-and-release regulations.

Before placing a trap, check your local laws to avoid fines or other legal issues. Some areas allow DIY trapping, while others may require professional assistance. Most areas require a professional to relocate the animal once trapped. Consulting a pro ensures you handle the situation responsibly, humanely, and within the law.

You’ll want to locate all areas in your home that could be a potential entry point for mice, such as doors, windows, vents, baseboards, holes, and cracks in your home’s foundation. Don’t forget to check less-obvious areas like the attic, plumbing and sewers, and even the roof and gutters. If you check these spots and don’t find any signs of mice, consider hiring a pest control pro to dig deeper into potential hiding spots.

If you’re heading outdoors, wear long sleeves and pants to minimize skin exposure. You may also want to wear clothing and any additional gear, like backpacks or tents, treated with 0.5% permethrin. If you’re dealing with fleas at home, you may want to wear insect repellant and vacuum your bed, carpets, and upholstery frequently to minimize fleas.