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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.

A spider infestation happens when an unusually high and problematic presence of spiders occurs in a home to the point it becomes disruptive or poses a significant nuisance. If you notice an increase in spider sightings, numerous webs throughout the home, or see multiple spiders daily, it's likely you have an infestation. In cases where the types of spiders seen are venomous or medically significant species are present, the number of spiders is insignificant and would require pest control measures. On average, pest control costs between $300 to $550 for one-time service.

Squash bugs don’t bite humans or pets. Their piercing-sucking mouthparts are designed specifically for feeding on plants, not people. While they can be a major nuisance in the garden, they pose no direct physical threat to you, and you don’t need to worry about bites, stings, or venom from these pests.

Fruit flies are more common during warm-weather months and may go away on their own in late fall once temperatures drop. However, they can survive year-round indoors as long as there's food available, so you'll likely want to take a proactive approach to get rid of them and stop the spread of bacteria.