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Does homeowner's insurance typically cover termite damage?

In most cases
8%
In some cases
20%
Rarely
38%
Never
26%
Not sure
6%
Next Question
Question: Does homeowner's insurance typically cover termite damage?
Top Answer (38% of 60 votes): Rarely.

Answer: Rarely
Explanation: THIS WOULD HAVE TO DETERMINE BY THE CLAIMS DEPARTMENT. HOWEVER, IN THE POLICY JACKET IT STATES COVERAGE IS DUE TO SUDDEN AND ACCIDENTAL.
Ligon Insurance and Financial Services, ICN
Answer: Rarely
Explanation: Termite damage is rarely covered due to it can be prevented by regular home maintenance and pest control. In some instances if the termite infestation occurs due to a prior covered loss then coverage would apply.
CityScape Insurance, LLC
Answer: In some cases
Explanation: Most homeowners insurance policies do not cover termite infestations, However there may be coverage for resulting damage to the structure once the infestation has been addressed, depending on the type and scope of coverage you purchased.
Massey Services
ProMatcher
Answer: Rarely
Explanation: Case by Case depending on the insurance company
Farmers Insurance
Answer: Not sure
Explanation: Not sure
Belocura Cabinetry
Answer: Rarely
Explanation: Homeowners insurance doesn't normally cover termite damage or removal. That's because termite infestations can typically be prevented through routine home maintenance, which homeowners are responsible for. If termites were to chew through your home's wiring and cause a fire, for example, your homeowners coverage could step in to help pay for the damages, as fire is a covered peril under most policies.
Rite Choice Insurance
ProMatcher
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: Rarely
Explanation: In most cases, and unendorsed homeowners policy excludes losses caused by termites.
Mutual of Omaha
ProMatcher
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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