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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.

While many pests like rats, mice, ants, cockroaches, silverfish, and bed bugs can damage your home, termites are among the most destructive. By sheer dollar amount, the damage from a bad termite infestation is unparalleled, as they can ruin walls, floors, roofs, and wooden support materials, potentially requiring massive reconstruction. Other highly destructive pests include rodents, carpenter ants, and bees that build hives within walls. If you spot signs of termites or other pests, you should hire an exterminator immediately.

Yes. Cellar spiders are predatory and feed on other insects, including other spiders. They eat flies, mosquitos, gnats, moths, and larger prey. That larger prey includes venomous spiders like the brown recluse and the black widow.  Basically, a cellar spider is pretty brave and will feed on anything that gets into its web, no matter the size.

Carpet beetles do not bite humans, but their larvae can cause skin irritation that’s often mistaken for bites. These tiny, bristly larvae have barbed hairs that can lead to allergic reactions in sensitive individuals, resulting in red, itchy welts or rashes. While the irritation may resemble bug bites, it’s actually a response to contact with the hairs or shed skins, not an actual bite. Adult carpet beetles are harmless and primarily feed on pollen, but their larvae can damage natural fibers like wool, fur, or leather in carpets, clothing, and upholstery.