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Termite Damage and Homeowners Insurance

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Homeowners Insurance And Termites

Homeowners insurance was conceived as a way to protect yourself and your home from risks and damage that are accidental and sudden. Unfortunately, termite infestations and their resultant damage are not something that happens overnight. You may find the damage suddenly and it can be an enormous risk to your financial health, but this isn’t what homeowners insurance is meant for and, according to the National Association of Insurance Commissioners, most homeowners insurance policies do not include or cover termite damage or removal. 

What Termite Situations Might Be Covered By Homeowners Insurance?

While, again, most homeowners insurance policies do not cover the damage that a termite infestation might cause in your home, there are a few situations in which termite damage could lead to a situation that creates the kind of damage that homeowners insurance does cover. For example, if termites chew through wiring in your home’s walls which causes a fire, or if you have had a water leak in your home caused by faulty pipes which is the reason for your termite infestation to begin with, your homeowners insurance may cover the cost of the repairs, depending on what your insurance policy stipulates. Always check your homeowners insurance policy to know what may or may not be covered. 

The best way to avoid termite damage is to prevent termite infestation through regular maintenance, something for which homeowners are solely responsible. As a result, there are some kinds of damage caused by termites that will not be covered by homeowners insurance. This includes things like a foundation that has become weakened by termite activity which might lead to structural issues or even mold and damp issues in your foundation or basement. Both of these damage situations are extremely costly to repair—and neither will be covered by homeowners insurance due to termite damage. 

Find A Pest Specialist For Termite Control Near You

If you are concerned about termites and termite control for your home, please give us a call or fill out the form on this page. is a team of experts who are highly qualified to provide the best recommendations for you and your home, no matter which part of the United States you live in.

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The creator of this review received compensation by RMICPA, LLC on behalf of Terminix®. This review is the opinion of its creator and its claims are not endorsed or evaluated by RMICPA, LLC.

1/* - Treatments and Covered Pests defined in your Plan. Limitations apply. See Plan for Details

2 - SAVE $50 on a Terminix® Pest Control Plan or $50 OFF pest control: Offer valid only at participating locations. Single-family dwelling units only. Requires purchase of a new annual residential pest control plan. Offer may not be combined with other offers, bundled service offerings or discounts. Additional limitations apply. Not valid for existing pest control customers. Offer expires 12.31.2020.

3 - $50 OFF Quick Guard® Mosquito Service: Offer valid only at participating locations. Single-family dwelling units only. Requires purchase of an annual Mosquito Service Agreement. Offer may not be combined with other offers or discounts. Additional limitations apply. See agreement for details. NOT AVAILABLE IN NY, VT, NH AND PORTIONS OF CT. Offer expires 12.31.2020

4 - Save 10% on a termite plan+: Offer valid only at participating locations. Single-family dwelling units only. Offer may not be combined with any other offers or discounts. Discount applies to purchase of new annual termite treatment plans only; discount does not apply to Dual Advantage Protection Plans, bundled service offerings or termite coverage plans. Additional limitations apply. Not valid for existing termite customers. Offer expires 12/31/2020.

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