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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.

It is highly unlikely that fleas will go away on their own without treatment. Female fleas can lay dozens of eggs per day—up to 50—causing their numbers to multiply quickly and spread throughout your home. An adult flea can live for around 100 days or even up to a year as long as it has access to a host, such as a pet or human. Even without a host to feed on, fleas can survive for weeks. Because of their rapid reproduction and resilience, it's best to tackle a flea problem as soon as possible. Hiring an exterminator is recommended to prevent the infestation from worsening.

Yes, crawl spaces can attract bugs, especially since moisture tends to build up in the space, and moisture attracts pests. A good way to prevent pest infestation in your crawl space is to install a vapor barrier—called crawl space encapsulation—on the interior to seal the space, along with a French drain or some other kind of foundation drainage system outside to keep runoff out of your crawl space. You can also seal foundation cracks and repair damages to cut off access to pests.

Ground moles are not typically dangerous. They're not known to carry rabies like many other wild animals, such as raccoons, skunks, and bats. And they don't typically bite humans, although it's possible if they feel threatened. If you do get bitten by a mole, it's best to see a physician to be safe, but most often, the bite will heal on its own unless it gets infected.