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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 time it takes for termites to damage a house varies, but it generally does not happen within days or weeks. Significant structural damage typically takes several months or years to occur, with serious damage often taking 3 to 8 years. The rate of destruction depends on factors like the termite colony's size and maturity, the type of wood they are feeding on, and local conditions. It can take 3 to 5 years for damage to become visible and 5 to 6 years for the home's structural integrity to be compromised. However, some species, such as Subterranean termites, are more destructive and can cause extensive damage in as little as 2 years. Because of this risk, it is important to treat your home as soon as you notice any signs of termites.

Since fleas reproduce so quickly, the mere presence of one flea could mean you have an infestation on your hands. Hundreds and even thousands of fleas can lurk in your pet’s fur, carpet, furniture, and even your body. If you see fleas jumping on household items or notice your pet scratching more than usual, those are signs of infestation.

Brown recluse spiders are found in Midwestern and South Central states like Nebraska, Ohio, Texas, and Georgia. While it’s possible to find spiders from the same genus elsewhere in the country, you’re unlikely to find a brown recluse infestation outside of these designated zones. In any case, there are other dangerous spider species across the U.S., so always use caution when dealing with infestations of any kind.