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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.

The type and amount of damage pests can cause to your home depends on the type of pest. Some pests, like rodents, often chew through wiring and can cause extensive damage to electrical systems, HVAC systems, walls, and insulation. Additionally, the pest’s waste presents a potential health hazard if it contaminates food or water. Other pests, such as termites, chew through floors, walls, and furniture, causing thousands of dollars in damage and making for costly repairs.

Treating a property for ticks costs between $50 and $150 on average. This preventative measure may be necessary if you live in an area with high tick presence or suspect a tick infestation on your property. Prices will vary based on your landscape, the size of the treatment area, and the severity of the infestation. 

The cost to hire an exterminator or pest control service is $175 on average, with typical costs ranging from $100 to $500. However, you could spend more depending on several factors, including the type of pest, the size and severity of the infestation, and the number of visits required.

Service costs also vary by frequency:

• One-time service: $300–$550

• Initial visit with ongoing service: $150–$300

• Monthly visits: $40–$70

• Quarterly visits: $100–$300

• Annual visits: $300–$550

The type of pest significantly impacts the price. For example, exterminating spiders typically costs between $100 and $300, while a termite problem can range from $230 to $2,500 or more, depending on the extent of the damage. Routine pest control services can help prevent future infestations and costly damage to your home.