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Naturally occurring EPA-registered Bti products are an effective way to kill off mosquitoes at the larval stage. And, although they won’t wipe them out, there are lots of natural repellents that make your yard less attractive to mosquitoes. Try planting some marigolds, lemon thyme, or other plants they’ll steer clear of, light a citronella candle or two, or lay some bug-offensive cedar mulch.

The scents that groundhogs hate most include garlic, hot peppers such as cayenne, and various herbs such as rosemary, lavender, basil, mint, sage, thyme, and oregano. Planting these crops in or near your garden and by the entrances to groundhog burrows can help ward them off.

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.

Although raccoons aren’t particularly picky regarding food, certain sounds, metals, and smells bother them. You can place these items around your home to keep raccoons away:

• Place wire mesh screens around and underneath decks and porches to prevent raccoons from nesting. 

• Put metal sheeting around the edges of your roof or at the base of trees to deter raccoons from coming close. 

• Place a loud battery-operated radio near the raccoon’s den to keep them from nesting.

• Keep a bowl of cider vinegar on your deck or porch.

• Remove old raccoon scents by thoroughly cleaning and disinfecting underneath porches and decks.