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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.

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.

Not likely. While the occasional spotted lanternfly insect may find its way in, it’s highly unlikely that spotted lanternflies will lay eggs and eventually infest your home because they prefer to live outdoors. If you’re concerned about the bugs getting inside, be sure to examine all humans, objects, and pets before bringing them indoors.

While the spotted lanternfly’s favorite place to stay is the trees and plants they gorge on, they can occasionally congregate in large numbers on buildings and other structures. This may be for height, warmth, or other unknown reasons. However, rest assured that the insects do not do any structural damage to the buildings, and will likely move on within a few weeks or perish with the colder weather.