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They’re a nuisance, but silverfish aren’t nearly as dangerous as other pests like cockroaches, mice, termites or bed bugs. They don’t carry diseases that humans or pets can catch, and they don’t cause widespread destruction like termites or rats. Silverfish are small and find it very easy to get inside any exposed foodstuffs. Like weevils, you may find them in unprotected flour, cereal, grains, bread boxes, chip packages and more. They will happily nibble fabric and paper as well, so they can cause damage to furniture, clothing, books, bedding, curtains and other materials.

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.

You’re not likely to find water bugs in your house. They may accidentally come in an open door when flying, especially since they are attracted to lights. But water bugs tend to stay stationary in bodies of water. You’re much more likely to see a roach in your home, not a water bug.

While cockroaches can contaminate appliances and their contents, they won't cause damage. Cockroaches can spread bacteria like E. coli and salmonella, making it important to keep them out of places where food is stored, such as a refrigerator. When it comes to electronics, however, cockroaches could potentially damage internal electrical components. As the pests navigate inside a TV or console, they may touch high-voltage components that could short out your product. This damage could lead to costly repairs or require replacements.