Too many homeowners consider pests and their infestations to fall under the coverage of their Ohio home insurance. Unfortunately the opposite is true: pests are a homeowner’s responsibility, even if homeowners aren’t aware of it.

The ubiquity of pests means that home insurance companies simply can’t afford to cover pest invasions—the risk is just too high. So rodents and insects—and in particular termites—are something that homeowners need to manage on their own time and budget.

Undertaking a regular pest inspection is a good way to keep pests at bay. This is particularly important if you live in an area that is affected by a pest such as termites, which can inflict severe damage on a home very quickly.

Other simple measures such as keeping doors and windows closed, keeping food and perishable goods in sealed containers, and following good hygiene practices can help keep some pests out. Applying insecticides and removing still water can also help to keep pests away, while clearing vegetation near your dwelling can help reduce the likelihood of a pest infestation.

Your can’t expect your home owners policy to cover everything, so be sure that you know what hazards you’re responsible for, and take measures to protect yourself and your home.