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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.

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. 

If squirrels set up a home in your attic, they can cause considerable damage. It’s not uncommon for them to chew holes in your roof, siding, or joists, and they can eat through electrical wiring. They might also travel to other parts of your home or into your wall cavities. Not to mention all that bacteria-filled feces and urine they spread around. 

High-frequency bird repellent devices are effective at driving away birds, which is their intended purpose. However, these devices also tend to have unintended negative consequences. For example, if you or your neighbors own pets, the high-pitched noise emitted by these electronic devices will cause them distress and may even make them aggressive.