Does Home Insurance Cover Termites?

termites home insurance

When it comes to safeguarding your home, one of the most common questions homeowners ask is, “Does home insurance cover termite damage?” Termites, known as silent destroyers, can cause extensive damage to your home, often without you even realizing it until it’s too late. They saying goes “it’s not a matter of IF, but WHEN you are going to get termites!” Understanding the specifics of your home insurance policy and whether it includes termite damage is crucial.

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Is Termite Damage Covered by Home Insurance?

In most cases, the unfortunate answer to the question, “Is termite damage covered by home insurance?” is no. Standard home insurance policies typically do not cover damage caused by termites or any other pests. This is because insurance companies categorize termite damage as preventable through regular home maintenance and inspections.

Why Isn’t Termite Damage Covered?

Insurance policies are generally designed to cover sudden and accidental damage, not problems that occur over time due to lack of maintenance or negligence. Since termites damage homes over a prolonged period, insurance companies view it as a maintenance issue. Therefore, the question, “Does homeowner insurance cover termite damage?” often disappoints many homeowners.

We talk often here about insurance covering things that are both sudden and accidental. Most things that happen slowly and overtime (and things that could have been prevented) are generally excluded on your homeowners insurance policy.

What Can You Do?

While the answer to “Does my home insurance cover termite damage?” may not be what you hoped for, there are steps you can take to protect your home from termites. Regular termite inspections by professionals can help detect an infestation early before significant damage occurs. Additionally, some pest control companies offer termite bonds or warranties that cover treatment and repairs if termites re-infest your home.


While it’s disheartening to learn that most home insurance policies do not cover termite damage, homeowners are not entirely without options. Regular inspections, proper home maintenance, and termite bonds can provide some level of protection against these destructive pests. Always remember to thoroughly read and understand your home insurance policy and consider additional coverage if necessary.

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