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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.

There are a few ways to keep pesky bugs away from your garden. One option you have is to plant flowers so beneficial insects like ladybugs can control pests for you. A similar method is companion planting, which means you’ll grow vegetables that’ll discourage pests, like garlic, onions, and basil. The best pest prevention method will depend on the bugs you have issues with and the plants in your garden. 

While it may seem counterintuitive, it is best to continue sleeping in your bed even if you have a bed bug infestation. If you move to another room, the bed bugs may follow you, which can spread the infestation to other parts of your home. To minimize bites while you sleep, wear protective clothing that covers as much of your body as possible, such as long-sleeved shirts, long pants, and socks. In the meantime, you should also isolate any potentially infested belongings and take steps to kill the bed bugs on your mattress as quickly as possible while waiting for professional treatment.

When you’re checking for bed bugs in your home, start by searching for the telltale signs rather than the insects themselves, as they tend to stay hidden during the day. Here are the key signs of a bed bug infestation:

• Rust-colored or reddish stains on mattresses and bed sheets

• Dark spots on fabric

• Shed skins

• Fecal matter (looks like black spots)

As for fleas, you can typically spot them on your pet. If you notice them scratching themselves excessively, look for bites and bugs on their skin and fur.