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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.

Gel bait and gel bait traps use poison to kill cockroaches, and aren’t safe to use around pets. Many gel bait traps are called “child-resistant,” but this only means that the traps are hard to rip open for children. Large pets and children are still able to swallow them. If you use gel bait, use it in areas where pets and children can’t access them, such as under a washing machine. Another option is to use glue traps, which don’t contain pesticides and are safe to use around pets. 

Squirrels hate not having access to secure shelter or food sources. Your best line of defense is to make your property less attractive by removing access to these things. There are chemical squirrel repellents, but these have mixed success. According to Pennsylvania State University, you can apply products containing the bittering agent denatonium saccharide to a squirrel's favorite fence, tree, or roof spots. However, you need to reapply repellents regularly, which aren’t scientifically proven effective.

Not likely. While the occasional spotted lanternfly insect may find its way in, it’s highly unlikely that spotted lanternflies will lay eggs and eventually infest your home because they prefer to live outdoors. If you’re concerned about the bugs getting inside, be sure to examine all humans, objects, and pets before bringing them indoors.