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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.

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.

Pros offer targeted treatments that are more effective and long-lasting, using specialized equipment and knowledge.

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.