Raccoons find an opening in the eaves of your roof, take up residence in your attic, and make a general mess.
A bird flies into your window and cracks it. Damage to your home by birds, rodents or insects is not normally covered by insurance, but most policies make an exception for breakage of glass.
You spot signs of a termite infestation in your home's siding. Even worse, you shouldn't expect your insurance to pay for the cleanup.
Mice in your basement chew on electrial wires and cause a fire.
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