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Ticks are most commonly found behind (or even inside) ears, behind knees, in belly buttons, in the hair, and in your underarms. If you find a tick on your body or on your pet, use a pair of clean tweezers to grab the tick as close to the surface of your skin as possible. If you simply yank or twist it, you can leave the tick’s mouth parts lodged in your skin and will need to remove those carefully with the tweezers. 

Once you have removed the tick, flush it down the toilet and wash your skin with rubbing alcohol or soap and water. Know the signs of lyme disease such as fever, chills, headache, muscle aches, and a rash.

Seeing a rat or two isn’t uncommon, especially in mild climates. That doesn’t mean they are actively a danger to your home. The problem is when you start seeing rats regularly in your yard, there’s a good chance they are also looking for ways to get into your house or other buildings. All they need is a small hole or gap, and they have a new place to nest -- which is bad news for you. Stay cautious if you start seeing rats in your yard all the time. 

No, pest control is not covered by home insurance. This is considered routine maintenance that is the responsibility of the homeowner. Although this may be discouraging news, don’t let it deter you from taking care of your home so you can prevent pests from entering and becoming a bigger nuisance. Otherwise, you may have a bigger problem on your hands that you’ll also have to cover out-of-pocket.

Bed bugs are most active when we are most inactive, typically from 2 a.m. until 5 a.m. They are cunning, and adjust their schedules according to their victims. If you work at night, for instance, your bed bugs will flip the script.