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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.

No, the spotted lanternfly does not sting, bite, or otherwise do anything painful or damaging to humans or animals. Do not hesitate to approach and kill the insects and any eggs you find on sight—you’ll be playing an important role in slowing the spread of these invasive and destructive pests. If you’re not sure if the insect is a spotted lanternfly, snap a picture and contact your local extension office for help identifying it.

Bed bugs bite your body to feed on blood. When they bite, they inject an anticoagulant, which is why you may see blood stains on your sheets if you have an infestation. The bed bugs tend to bite in clusters, so the bite marks will look like itchy, red spots in zigzagging lines of three to five bites per cluster on your skin.

The bites are itchy, but for most people, they do not cause serious or long-term health complications. Itching the wound excessively could lead to an infection, and some people are allergic to bed bugs.

Squirrels are pretty skittish creatures, and they dread the presence of rodent-chasing dogs and cats. Sudden noises and bursts of activity can send them scampering away. Anything with an element of surprise, like motion-detecting lighting, strobe lights, and noisy wind chimes, can unsettle them. Even loud radios and voices can be perceived as threatening and terrifying to these furry critters.