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Yes, termites in your yard can be something to be concerned about, especially if they’re close to your home. While not all outdoor colonies pose an immediate threat, termites can move from wood piles, tree stumps, or mulch, eventually making their way to your home’s structure. If you see mud tubes, damaged wood, or swarming activity, it’s a good idea to schedule a professional termite inspection to prevent potential infestation.

Spiders are not typically attracted to bedding as a primary source of food or shelter, but they sometimes inadvertently end up there. Spiders can hitch a ride on your clothing, belongings, or through open windows and doors. The underside of a bed, especially if it's near a wall or corner, can provide such a sheltered spot where they can hide and build webs. Dust and clutter under your bed can create ideal hiding places as well. If your room has other insects like flies or mosquitoes, spiders may be drawn to the area in search of prey. 

While some pets, especially dogs, may chase rabbits away due to their natural hunting instincts, relying solely on pets to deter rabbits is not foolproof. Some rabbits can become accustomed to the presence of pets over time, and not all pets possess the same level of hunting inclination. What’s more, rabbits can potentially carry serious diseases like Tularemia and E. cuniculi, which they could pass to your pets.

It’s very rare that home insurance covers an exterminator. Pest problems aren’t covered under standard home insurance. They’re typically considered ongoing events that could have been prevented, which makes them ineligible. Some insurance companies will specifically ban termite and rodent services because costs can be high. However, a sudden and unstoppable infestation, especially one that resulted because of a sudden event like storm, may be covered. Call your insurance company and ask about the details if you aren’t sure.