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If you like the look of mulch in your plant beds, be aware that it can attract a variety of pests, including termites. To avoid wood-to-foundation contact, leave a one-foot barrier around your house and fill it in with rocks or gravel, starting mulch past that barrier and working it outward into your plant beds. 

You shouldn’t put topsoil over new grass seed. Even though it may seem like this would increase soil contact and help the seeds grow, adding more soil overtop of planted grass seed will only make it harder for water and oxygen to reach the grass seeds. If you want to protect the grass seeds, consider adding a thin layer of organic matter, such as straw or hay.

There are two main times of the year to spread mulch—mid-spring and late fall. Spring mulching protects new seedlings as the soil warms up and the rainy season begins. Fall mulching insulates the soil and regulates its temperature as the first frosts arrive.

No, mulch itself does not necessarily attract termites even though it’s usually made of shredded wood. Some types of mulch like cedar or cypress resist termites because they’re toxic or unappetizing to the wood munchers. However, when the mulch is deep enough, say three inches or more, it creates a perfect habitat for insects of all kinds to build nests.