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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.

Prime mosquito season varies depending on your location. It’s longer in the sweltering southern states and shorter in the cooler, drier northern regions. In places like Florida, it can run from February to November, but in the Pacific Northwest, mosquitoes appear in April and can hang around until the end of October. While the hottest summer months are when they are at peak population, mosquito seasons are extending in many regions because of the increase in annual temperatures.

Rat poison that contains an anticoagulant like warfarin can cause bleeding, chills, confusion, extreme fatigue, headache, convulsions, lightheadedness, and seizures. Anticoagulants prevent your blood from forming clots, which can result in uncontrolled bleeding both internally and externally. Other types of rat poison that aren't anticoagulants attack your liver, kidneys, and digestive system. They can suppress your breathing and heart rate, causing low blood oxygen and poor circulation. Burning in your throat and gastric discomfort are common symptoms.

Some snake repellents are risky to use around people and pets because they use the active ingredient in mothballs, naphthalene. The United States Environmental Protection Agency (EPA) has classified naphthalene as a carcinogen that can cause damage to the liver, neurological issues, and cataracts. 

The Colorado State University Extension suggests there’s not enough conclusive evidence of the effectiveness of snake repellents to recommend their use.