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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.

Ground moles are not typically dangerous. They're not known to carry rabies like many other wild animals, such as raccoons, skunks, and bats. And they don't typically bite humans, although it's possible if they feel threatened. If you do get bitten by a mole, it's best to see a physician to be safe, but most often, the bite will heal on its own unless it gets infected.

While many pests like rats, mice, ants, cockroaches, silverfish, and bed bugs can damage your home, termites are among the most destructive. By sheer dollar amount, the damage from a bad termite infestation is unparalleled, as they can ruin walls, floors, roofs, and wooden support materials, potentially requiring massive reconstruction. Other highly destructive pests include rodents, carpenter ants, and bees that build hives within walls. If you spot signs of termites or other pests, you should hire an exterminator immediately.

Certain strong smells may help repel bats, though this is not a foolproof method and is best used in conjunction with other deterrence strategies. Scents like peppermint oil, eucalyptus, cinnamon, cloves, and mint are often suggested as natural remedies. To create a spray, you can mix two cups of warm water with half a cup of sugar and a few drops of your preferred essential oil. Apply this mixture using a spray bottle to possible entry points and throughout the affected area, such as an attic. While this home remedy is popular, evidence supporting its effectiveness is limited.