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Does homeowner's insurance typically cover termite damage?

In most cases
In some cases
Not sure
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Question: Does homeowner's insurance typically cover termite damage?
Top Answer (36% of 58 votes): Rarely.

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
Answer: Rarely
Explanation: Termites are referred to as bugs, vermin, or pesky insects. They can and usually do create a great deal of damage in a relatively short period of time. Insurance companies consider the damage caused by the termites to be preventable. That's why they do not straight out cover damage to your home by termites.
Major Insurance & Tax Group
Answer: Rarely
Explanation: Case by Case depending on the insurance company
Farmers Insurance
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
Answer: Rarely
Explanation: Because termite infestations can typically be prevented through routine home maintenance, which homeowners are responsible for.
Carolina Pest Control LLC
Answer: Never
Explanation: Termite and pest damage is really never covered under homeowner insurance.
Responsible Pest Control
Answer: Rarely
Explanation: In most cases, and unendorsed homeowners policy excludes losses caused by termites.
Mutual of Omaha
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: Rarely
Explanation: This depends on your policy coverages. Check with your agent.
Farmers Insurance
Answer: Never
Explanation: Any insect or animal damage is a common exclusion and is not covered
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: Homeowners will cover attic restoration for rodent infestation
Texas trappers
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: Not sure
Explanation: Depends on the carrier, typically no
MC2 Home Inspections LLC
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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