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Does homeowner's insurance typically cover termite damage?

In most cases
7%
In some cases
23%
Rarely
34%
Never
26%
Not sure
7%
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Question: Does homeowner's insurance typically cover termite damage?
Top Answer (34% of 38 votes): Rarely.

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
Answer: Rarely
Explanation: This depends on your policy coverages. Check with your agent.
Farmers Insurance
ProMatcher
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
Answer: In some cases
Explanation: Homeowners will cover attic restoration for rodent infestation
Texas trappers
ProMatcher
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
Answer: Not sure
Explanation: Depends on the carrier, typically no
MC2 Home Inspections LLC
ProMatcher
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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