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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.

Most bugs that get into and reside inside our homes are harmless. However, you should address the presence of harmful ones, such as bed bugs, roaches, or termites, that can harm you and your home. Additionally, if you notice a significant increase in bug sightings of any kind, it's a good time to perform a home inspection, looking for water or structural damage that could be inviting them in. 

Fleas thrive during the warmer months, starting in March and running through November. However, the prevalence of these pests depends on the climate in your state. That’s why it’s important to stay vigilant for fleas on your pets and property during spring, summer, and fall. Be sure to apply flea prevention sprays and medications to their coats as directed by a veterinarian.

Because scorpions are active during the night, it can be hard to spot them—they are often hiding while you’re up and about. They could be hiding in holes in your walls, behind large appliances, under your bed, in your closet, or even inside your shoes. But, if you’ve seen one scorpion in your home, chances are there are more waiting in the darkness. If you’re on the hunt for scorpions in your home, invest in a UV light, as all scorpions will glow under UV rays.