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Home warranties typically do not cover pest control services or related damage in their basic plans. However, some companies offer premium plans or limited add-ons that may provide some coverage. These optional coverages often come with limitations, such as dollar caps, maximum payout amounts, or exclusions for specific pests. It is crucial to review the details of your specific home warranty policy to determine if pest control is covered and to understand any associated limitations.

Carpenter ants don’t eat wood. It’s a common misconception because many kinds of termites eat wood as well as live inside it. Carpenter ants, however, are omnivores and only chew into wood to create pathways and nests, discarding the chewed wood as frass which is a major indicator of a carpenter ant problem. They prefer to eat smaller insects, sweet things like spilled honey, and sources of protein like pet food.

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.

Ensures thorough identification and eradication, preventing extensive property damage.