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Brown recluse spiders are attracted to homes and properties in search of shelter and food. Key attractants include a steady supply of insects, which are their primary food source. Consequently, things that attract other bugs, like food left out or poorly sealed trash cans, will also indirectly attract spiders. They also seek warm, dry, dark spots with nooks and crannies for nesting, such as untended wood piles, dirt piles, and cardboard boxes. Additionally, excessive outdoor lighting can attract insects, which in turn draws in spiders.

If you’re heading outdoors, wear long sleeves and pants to minimize skin exposure. You may also want to wear clothing and any additional gear, like backpacks or tents, treated with 0.5% permethrin. If you’re dealing with fleas at home, you may want to wear insect repellant and vacuum your bed, carpets, and upholstery frequently to minimize fleas.

While many pests like rats, mice, ants, cockroaches, silverfish, and bed bugs can damage your home, termites are among the most destructive. By sheer dollar amount, the damage from a bad termite infestation is unparalleled, as they can ruin walls, floors, roofs, and wooden support materials, potentially requiring massive reconstruction. Other highly destructive pests include rodents, carpenter ants, and bees that build hives within walls. If you spot signs of termites or other pests, you should hire an exterminator immediately.

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.