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Does homeowner's insurance typically cover termite damage?

In most cases
8%
In some cases
20%
Rarely
31%
Never
31%
Not sure
8%
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Question: Does homeowner's insurance typically cover termite damage?
Top Answer (31% of 48 votes): Never.

Answer: Never
Explanation: Termite and pest damage is really never covered under homeowner insurance.
Responsible Pest Control
Answer: Rarely
Explanation: Would be lucky to be covered. Termites is not a "peril" or sudden damage. Proper home maintenance and inspection should prevent termites. Otherwise, get a termite bond.
Full Service Personal Insurance Needs
Answer: Not sure
Explanation: I would suggest to contact your insurance provider and go through your policy.
Reality Property Inspections
ProMatcher
Answer: In most cases
Explanation: In most cases termite damage would be covered as long as it wasnt' due to neglect of the home.
Farmers Insurance-Chris Faverty Agency
Answer: Not sure
Explanation: This would depend on the insurance overages
Gilded Leaf Home Inspections LLC
Answer: Never
Explanation: Damage caused by vermin, rodents, insects or domestic animals is not cover except in the even of broken glass or safety glazing materials which is part of the building, when cause by birds, vermin, rodents, insects or domestic animals. Subject to the policy deductible.
State Farm Insurance
ProMatcher
Answer: Never
Explanation: Any insect or animal damage is a common exclusion and is not covered
MetLife
Answer: In some cases
Explanation: Upon purchase, homes are inspected. When a home is first insured, the home is inspected. If there is termite damage discovered during the initial inspection, then recommendations will be made to correct it. For a home that's been occupied and insured for a while, if termite damage is discovered, then the claims adjusted will look for factors to see if preventive measures have been made before processing the claim. It's the homeowner's responsibility to make their home less attractive to termites, such as being free of debris and standing water.
Lockhart's Insurance Services
Answer: In some cases
Explanation: Termites are covered in most cases only if they are unknown and cause the structure to collapse in some way
Pacific Crest Insurance
ProMatcher
Answer: Rarely
Explanation: Homeowners policies are designed to cover accidental and sudden catastrophes. Termite damage is preventable through proper home maintenance and care.
G.L. Anderson Insurance Services, Inc
Answer: In some cases
Explanation: That would be up to your policy
Fall Guys LLC
Answer: Never
Explanation: Unfortunately it doesn't.
Budget Termite Control
ProMatcher
Answer: In some cases
Explanation: In some cases
Finite Solutions Inc.
Answer: In some cases
Explanation: Depends on whether client knew about termites and did nothing about it or not.
Liberty Mutual Insurance Company
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