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It’s very rare that home insurance covers an exterminator. Pest problems aren’t covered under standard home insurance. They’re typically considered ongoing events that could have been prevented, which makes them ineligible. Some insurance companies will specifically ban termite and rodent services because costs can be high. However, a sudden and unstoppable infestation, especially one that resulted because of a sudden event like storm, may be covered. Call your insurance company and ask about the details if you aren’t sure.

Spraying for ticks does a good job of eliminating the existing ticks in your yard. Moderate to severe infestations might require several treatment sessions, but most infestations are well controlled with enough treatments, regardless of their severity.

However, wildlife, pets, and people can still carry ticks into a yard, even after treatment, so if you're concerned about ticks in your area, it's a good idea to spray annually for tick prevention.

Some snake repellents are risky to use around people and pets because they use the active ingredient in mothballs, naphthalene. The United States Environmental Protection Agency (EPA) has classified naphthalene as a carcinogen that can cause damage to the liver, neurological issues, and cataracts. 

The Colorado State University Extension suggests there’s not enough conclusive evidence of the effectiveness of snake repellents to recommend their use.

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.