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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.

If the cat is stray (you noticed a collar or other signs of domestication), the kind thing to do is to try and find the owner. Call around to other neighbors to see if they can lead you in the right direction. If you can get close enough to snap a picture, try posting an image of the cat to local community groups and pages on social media. 

If the cat is feral, you can try to humanely trap them and participate in a local shelter’s TNR program. Before attempting capture, call around to local rescues and shelters to make sure one near you does participate in a TNR program. They may even be able to catch the cat for you.

Professional wasp removal methods vary depending on the wasp species, nest location, and the severity of the infestation. Professionals use a range of techniques, including high-grade insecticides, pesticides, aerosols, insecticidal dust, liquids, and vacuuming. After exterminating the wasps, the technician will remove the active nest to prevent re-infestation. For a major or pervasive wasp problem, it is recommended to hire a professional to handle the issue safely and avoid painful stings.

Water bugs won’t actively chase you, but they earned the nickname “toe-biters” for good reason. Water bugs are highly defensive. They typically rest an inch or so below water, waiting for prey. But if they feel threatened by a human that gets close, they may inject the person with a harmless venom from their legs, which may feel like a bite.