Do You Have Pest Protection?

March 10, 2025

It might be amusing to watch squirrels scurrying around the park, as they often seem tame enough to take food from your hand. However, these seemingly harmless animals are among the most common household pests and can cause significant damage if they enter a home. They may chew furniture and damage valuable belongings, including ornaments.

Insurance and Pest Damage

Some insurance policies may include limited protection for pest-related damage. For example, certain providers offer coverage for damage caused by squirrels under standard home insurance policies, while others include broader vermin protection under upgraded plans.

However, pest damage is often excluded from standard coverage. In many cases, insurers may only cover secondary damage—for example, a fire caused by rodents chewing electrical wiring. Severe structural damage from pests can still result in significant out-of-pocket costs.

Additional Pest Protection Options

Some insurance companies offer pest control add-ons for an additional annual fee. These services may include treatment for pests such as:

  • Wasps

  • Hornets

  • Mice

  • Grey squirrels

  • Rats

These services typically focus on pest removal and prevention advice rather than repairing structural damage caused by infestations.

Council Pest Control Services

Local councils may provide pest control services, but availability can vary depending on demand and season. During colder months, rodent activity increases as pests move indoors in search of warmth and food. This can lead to longer waiting times for assistance.

Common indoor hiding areas include:

  • Under sinks

  • Around staircases

  • Lofts and attics

  • Near hot water tanks

Rodents such as mice and rats can cause serious damage by:

  • Gnawing through electrical wiring (fire risk)

  • Damaging pipes (potential flooding risk)

Prompt action is important when signs of infestation are detected.

Hiring a Professional Pest Controller

For faster and more reliable results, many homeowners choose to hire local pest control professionals who can assess and treat infestations directly.

Prevention is Key

Preventing infestations is often more effective than treating them after they occur. Recommended prevention steps include:

Inside the home:

  • Keep living spaces clean and tidy

  • Clean up spills and food waste promptly

  • Wash dishes regularly

  • Store food securely

  • Declutter lofts, spare rooms, and storage areas

  • Seal gaps around pipes using plaster or steel wool

Outside the home:

  • Ensure drain covers are secure and intact

  • Remove clutter from gardens

  • Cut back long grass and weeds

  • Compost yard waste properly

  • Avoid composting processed food, which can attract pests

Final Note

Rats are often easier to eliminate than mice, but prevention remains the best approach. Regular maintenance and early action can help avoid serious infestations.

Don’t wait until the problem gets out of control.