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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.

Yes, it is generally safe to return to your house once the pest control professionals have granted permission. Keep in mind that you’ll only need to evacuate your home during extreme pest control treatments, such as whole-home fumigation, while more minor treatments don’t require leaving. When you return home, be sure to follow the pest pro’s instructions carefully, especially those surrounding wait times and safety precautions.

To determine if you have a rat or mouse infestation, look for several key differences. The most obvious is the size of the rodent: rats are significantly larger with thicker bodies, while mice are much smaller and more slender. You can also identify them by their droppings; rat droppings are larger and rounder, about the size of a raisin, while mouse droppings are smaller, like a grain of rice, and often have pointed ends. Other signs include the sounds they make, as rats produce louder scratching and gnawing noises due to their size. Behaviorally, rats tend to be more cautious, whereas mice are more curious and might be seen more often. Additionally, rat nests are typically larger than those of mice. If you are unable to see the pest or find clear evidence, a professional inspection can provide a definitive identification.

The cost of pest control services depends on various factors, but the average homeowner pays around $175, with a typical range of $100 to $500. Your final cost will be influenced by the type of pest, the size and severity of the infestation, and the number of treatments needed.

Service costs also vary by frequency:

• One-time service: $300–$550

• Initial visit for ongoing service: $150–$300

• Monthly visits: $40–$70

• Quarterly visits: $100–$300

• Annual visits: $300–$550

For specific pest examples, getting rid of spiders typically costs between $100 and $300, whereas a termite infestation can cost from $230 to $2,500 or more, depending on the extent of the damage.