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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 cost of pest control services depends on various factors, but the average homeowner pays around $175, with a typical range of $100 to $500. Your final cost will be influenced by the type of pest, the size and severity of the infestation, and the number of treatments needed.

Service costs also vary by frequency:

• One-time service: $300–$550

• Initial visit for ongoing service: $150–$300

• Monthly visits: $40–$70

• Quarterly visits: $100–$300

• Annual visits: $300–$550

For specific pest examples, getting rid of spiders typically costs between $100 and $300, whereas a termite infestation can cost from $230 to $2,500 or more, depending on the extent of the damage.

Rocks are less likely to attract snakes and other critters because their prey (termites, ticks, and other insects) don’t usually inhabit this environment. However, if you have placed together rocks with large spaces in between or near a source of water, you may find a snake or an occasional chipmunk seeking shelter.

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.