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False chinch bugs are generally smaller and somewhat paler than true chinch bugs, although they otherwise look similar. The name is a bit of a misnomer: They act very similarly and both feed on plants by sucking out their juices. However, chinch bug feeding tends to be very destructive to the plant, while strangely the false chinch bug does relatively little damage.

For years, it was believed that hobo spider bites were incredibly dangerous, causing flesh-eating wounds. But the rumors of their bites were greatly exaggerated, and there's been no real evidence showing a connection between a hobo spider bite and necrotizing wounds. 

That said, the spiders can and do bite, usually as a defense response. They won't attack you unprovoked, but if you take them by surprise and get close enough, they may bite you. Their bites may cause some minor irritation or itchiness. 

Scorpions are repelled by strong scents like lavender, cedar, peppermint, and cinnamon. Applying essential oils of these scents mixed with water around your home's perimeter and entry points can act as a mild, chemical-free deterrent. In addition to scents, scorpions also tend to avoid well-lit areas, preferring to hide in dark, cool, and damp places during the day. However, it's important to note that these methods are not fully effective on their own and should be combined with other preventative efforts, such as sealing any potential entryways into your home.

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.