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Some species of bees (not to mention hornets) are aggressive and dangerous to have in your walls. If they swarm in anger or defense, they could badly hurt people in your home. Other species of bees are largely harmless and many people live in close proximity to them.

Either way, bees making hives in your walls usually causes damage. It can contribute to moisture problems, and attract other pests. Those problems get even worse if honeycombs build up. So we strongly suggest you find a way to keep bees from taking up permanent residence.

Yellow jackets are a type of wasp in the Vespula and Dolichovespula genera. Hornets are another type of wasp in the Vespa genus. Hornets and yellow jackets are closely related and are both known for being large and aggressive. They are often confused with one another, too. For example, the bald-faced hornet is actually a yellow jacket, and the European hornet, a true hornet, looks much like a yellow jacket.

Water bugs won’t actively chase you, but they earned the nickname “toe-biters” for good reason. Water bugs are highly defensive. They typically rest an inch or so below water, waiting for prey. But if they feel threatened by a human that gets close, they may inject the person with a harmless venom from their legs, which may feel like a bite.

It’s very rare that home insurance covers an exterminator. Pest problems aren’t covered under standard home insurance. They’re typically considered ongoing events that could have been prevented, which makes them ineligible. Some insurance companies will specifically ban termite and rodent services because costs can be high. However, a sudden and unstoppable infestation, especially one that resulted because of a sudden event like storm, may be covered. Call your insurance company and ask about the details if you aren’t sure.