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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.

If the snakes in your yard are non-venomous species (like common Rat or Garter snakes), why not consider the live-and-let-live approach? Some benefits of not getting rid of snakes include:

• They’re great at controlling disease-spreading rodent populations, including rats, mice, voles, and moles.

• Some non-venomous species (like the common kingsnake) eat venomous species like rattlesnakes and copperheads.

• Species like the garter snake keep down populations of garden pests like slugs and grasshoppers.

No single deterrent will work 100 percent of the time, so we suggest combining deterrents to ensure your seed has the best possible chance to grow. Using bird netting over your seed, with physical deterrents like mylar tape coupled with hanging bird feeders at the edges of your growing area—and removing any bird’s nests, if possible—will give your seeds the best possible chance for success.

Wasp removal is challenging for pros and novices and carries the risk of painful stings. Therefore, it’s not surprising that wasp removal is not free. You can save money by going the DIY route, but paying a professional exterminator increases the chance of effective removal—and keeps you from painful wasp stings.