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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.

To keep deer from eating your trees, you can either put up barriers or install a deer repellant. Barriers that protect trees from deer include tree wrap or fencing. You can also plant deer-resistant trees to prevent deer from eating or scraping against your trees or garden with plants that deer don’t like to be around.

If you are not at high risk of contracting disease and take proper safety precautions, it’s considered generally safe to clean mouse droppings on your own. Before handling any droppings, make sure to put on protective equipment such as plastic gloves and a face mask. Individuals who are immunocompromised, have medical conditions, and children should especially avoid exposure to mouse droppings. 

Naturally occurring EPA-registered Bti products are an effective way to kill off mosquitoes at the larval stage. And, although they won’t wipe them out, there are lots of natural repellents that make your yard less attractive to mosquitoes. Try planting some marigolds, lemon thyme, or other plants they’ll steer clear of, light a citronella candle or two, or lay some bug-offensive cedar mulch.