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If the cat is stray (you noticed a collar or other signs of domestication), the kind thing to do is to try and find the owner. Call around to other neighbors to see if they can lead you in the right direction. If you can get close enough to snap a picture, try posting an image of the cat to local community groups and pages on social media. 

If the cat is feral, you can try to humanely trap them and participate in a local shelter’s TNR program. Before attempting capture, call around to local rescues and shelters to make sure one near you does participate in a TNR program. They may even be able to catch the cat for you.

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.

Termites can start causing damage within just a few weeks of settling in, and while the signs might not show up right away, they can hollow out drywall and structural wood within a few months. If left untreated for a year or more, the damage can be extensive and expensive.

Some natural applications are known to make bed bugs unhappy, like peppermint and tea tree oil. But bed bugs are tenacious and as long as there are sleeping humans around to feed on, they’ll stick around. It’s best to destroy them outright by using heat, steam, or fumigation methods.