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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.

Squirrels rely heavily on their sense of smell and are deterred by a variety of scents. Some of the most effective smells for repelling them include peppermint oil, coffee grounds, white vinegar, garlic, cinnamon, rosemary, and predator urine. They also have a strong aversion to capsaicin, the compound that makes chili peppers hot, making capsaicin-based sprays an effective repellent for areas like gardens or bird feeders. For a DIY solution, you can create a spray from garlic and vinegar and apply it daily. Additionally, squirrels dislike strong, fresh scents, so placing items like strong-smelling soaps or dryer sheets in areas they frequent can also help keep them away.

Groundhogs are non-aggressive animals that are afraid of humans. They forage for vegetation in yards and gardens, so they can often be seen as a nuisance if you spot one on your property. That said, if you happen to get bitten or scratched by a fearful groundhog, be sure to get checked by a doctor, as they could carry infections or diseases like rabies, Lyme, or the rare tularemia.

According to the Centers for Disease Control and Prevention (CDC), fleas can carry human disease-causing pathogens for Plague, Flea-borne typhus, and Cat scratch disease. These diseases are caused by fleas such as Oropsylla montana, Xenopsylla cheopis, and Ctenocephalides felis, and are commonly found in rural areas of the western United States, California, Texas, and Hawaii. Fleaborne parasites like tapeworms can also be spread to people and animals if they accidentally swallow an infected flea, and small children are at a higher risk. Symptoms may not be present in most infected people.