Termite Damage Usually Isn’t Covered | Strategically priced. Expertly marketed. Under agreement in less than two days.

Most homeowners policies exclude termite damage because infestations are viewed as preventable maintenance issues, not sudden accidental losses insurance is built to cover.
Coverage may apply when termites trigger a separate covered peril, such as a sudden collapse or fire caused by damaged wiring within walls.
Repair bills can span from minor fixes to major structural work, and severe infestations may push costs into the $10Ks for homeowners.
Yearly inspections, quick treatment, less wood near foundations, trimmed greenery, good drainage, ventilation, and sealed gaps can all help reduce termite risk.
If termites lead to a covered fire and the home becomes unlivable, standard loss-of-use coverage may help fund temporary housing during repairs.