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No, you shouldn’t have to worry about bats in your yard as long as they don’t make their way inside your house. Typically, bats hang around backyards in order to consume bugs, especially if they’re located in the U.S. Bats that are native to North America can consume more than 500 bugs per hour, so they may actually benefit your yard if mosquitoes are prevalent.

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.

Stay calm and avoid acting like a threat. Avoid swatting at the wasps or yelling, which will agitate wasps and make them more likely to attack. Instead, move away at a slow, steady pace in one direction, getting as much distance between you and the wasps as possible. 

Wasps swarm to protect their nest, so moving far away indicates you are not a threat and they should subside. Do not try to handle a wasp nest filled with agitated wasps. Wait until they call down before you take action, or trust in a professional.

The best termite treatment depends on your specific infestation, home, and budget. According to the Environmental Protection Agency (EPA), the most common professional treatments are soil-applied barrier treatments, like liquid termiticides, and termite baits. Bait stations are placed in the soil and work by moving poison back into the colony to kill the queen. For infestations that haven't fully taken root, barriers and targeted termiticides are often the most effective options. Additionally, preventative measures such as moisture removal and installing physical barriers to protect vulnerable wood are important, particularly during construction or remodeling. It is best to work with a termite professional to determine the right treatment for your situation.