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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.

While the term “gnat” is often used as a blanket term for tiny flying insects like fungus gnats and fruit flies, they are different insects. The primary distinctions are in their appearance, diet, and habitat. Fungus gnats are typically darker (gray or black) with long legs and are attracted to damp soil and decaying plant matter, often living in houseplants. In contrast, fruit flies are lighter in color (tan) with shorter legs and are drawn to overripe fruit, high-fructose organic substances, and other sweet materials.

Termites are most active and cause the most damage in the spring and summer, when warm temperatures and increased moisture accelerate their activity. This is also when swarming typically occurs, allowing colonies to expand. However, termites remain active year-round, especially in warmer climates or heated homes. An established colony can continue to damage wood 365 days a year, even during cold weather.

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.