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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.

Yes, termites in your yard can be something to be concerned about, especially if they’re close to your home. While not all outdoor colonies pose an immediate threat, termites can move from wood piles, tree stumps, or mulch, eventually making their way to your home’s structure. If you see mud tubes, damaged wood, or swarming activity, it’s a good idea to schedule a professional termite inspection to prevent potential infestation.

There's anecdotal evidence that apple cider vinegar does help to repel mice. But the best way to repel mice is to keep your home scrupulously clean and seal up any obvious entry points. If you already have a mouse infestation, apple cider vinegar won’t get rid of the critters. It’s usually worth the cost of professional pest control to make sure a serious mouse problem is eradicated completely.

Rats are nocturnal creatures, meaning they are most active at night, typically from late evening through the early morning. They use the cover of darkness to explore, forage for food, and find water, as they feel safer and can avoid daytime predators and human activity. Their sharp senses, including keen night vision and hearing, are well-suited for navigating in the dark. Because they prefer to stay hidden during the day in secluded areas like walls or attics, you are more likely to spot signs of their presence—such as droppings or gnaw marks—before you see an actual rat.