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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.

Roaches won’t sting your pets and don’t have venom like spiders do , but they present other dangers. Cockroaches are notorious carriers of diseases like salmonella and parasites like tapeworms. Because they’re so dirty, their bites (otherwise harmless) can also get infected. You don’t want your pets chasing and trying to eat cockroaches, or sleeping near a roach infestation. 

Brown recluse spiders are attracted to homes in search of warm, dry, and dark spots that provide easy access to insects. An existing bug problem is a primary attractant, as spiders follow their food source. Other factors that attract brown recluse spiders include the presence of anything that might lure insects, such as food left out or poorly sealed trash cans. They are also drawn to excessive outdoor lighting, untended wood or cardboard boxes, and dark areas with nooks and crannies for nesting, like woodpiles or dirt piles.

One scorpion sighting doesn’t necessarily mean there’s an infestation, but finding a scorpion in your home should always be taken seriously. Don’t panic, though, as that will only make the situation more stressful, and you may act irrationally out of fear. Most scorpions have extremely painful stings that cause swelling and redness, but they’re not life-threatening.

However, while not all species are dangerous, the Arizona bark scorpion, which is common in the southwest U.S., is highly venomous and potentially deadly to humans. Never attempt DIY removal if you suspect it may be the Arizona bark scorpion—instead, contact a pest control professional immediately for safe, effective scorpion removal