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Allowing wolf spiders to reside in your home can have benefits, as they serve as natural exterminators, preying on insects and pests that could become problematic. Their presence can help keep your residence relatively free of nuisance insects such as flies, ants, and cockroaches, reducing the need for chemical pesticides. Wolf spiders are generally not hostile towards humans, and their bites, although painful, usually don't result in a significant medical concern. If you can coexist peacefully with these spiders and recognize their role in maintaining a balanced ecosystem within your household, they can contribute to a healthier and pest-reduced environment.

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.

While water bugs are considered generally harmless to humans, they can bite humans if threatened. Cockroaches are often incorrectly mistaken for water bugs. In this case, cockroaches can bite but are unlikely to bite humans. 

Water bug bites can be very painful and cause symptoms such as redness, swelling, and allergic reaction. Bites will usually heal on their own. However, if you experience severe symptoms or an allergic reaction, seek medical help immediately.

There are DIY methods and store-bought pesticides available for the public to use. However, these pesticides also come with a risk, and you need to follow the directions correctly and take precautionary measures to prevent exposure to these chemicals. These methods may be an option for small pest problems, but you should call in a pest control specialist for persistent pests and infestations.