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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.

If you’re having trouble with your traps, first examine them for flaws that would allow a squirrel to escape easily, such as loose doors or hinges. It’s also important to consider the location of your trap: Place it in areas with higher squirrel traffic, and make sure it’s on a sturdy surface so it can’t wobble or tip (squirrels aren’t likely to walk in a trap that isn’t stable). Lastly, try changing out your bait—in-shell peanuts or peanut butter often work best.

Termites can start causing damage within just a few weeks of settling in, and while the signs might not show up right away, they can hollow out drywall and structural wood within a few months. If left untreated for a year or more, the damage can be extensive and expensive.

Natural methods such as spraying orange oil, spreading diatomaceous earth, or spreading boric acid can help prevent termites from entering your home or damaging your garden. Place these solutions near termite entry points to deter them. Termites also dislike the smell of cedarwood, geranium, and tea tree oil, which can all be used to keep termites away.