Are Termites Covered Under Homeowners Insurance?

Welcome to the topic of whether termites are covered under homeowners insurance. Many homeowners may wonder if they are protected in the event of a termite infestation, as these pests can cause structural damage to a home. In this discussion, we will explore what is typically covered under homeowners insurance policies and whether termites fall under that coverage.

Understanding Termites

Termites are wood-destroying insects that cause billions of dollars in damage to homes and other structures each year. They feed on cellulose-based materials, which includes wood, paper, and cardboard. Termites are often referred to as the “silent destroyers” because they can cause significant damage to a home before their presence is even detected.

Types of Termites

There are three types of termites: subterranean, drywood, and dampwood termites. Subterranean termites are the most common type of termite in the United States and live in the soil. Drywood termites, on the other hand, live in wood and can cause significant damage to furniture, flooring, and walls. Dampwood termites are less common and typically live in damp or decaying wood.

Signs of Termite Infestation

It is important to be able to recognize the signs of a termite infestation, as early detection can save homeowners thousands of dollars in repair costs. Some signs of termite infestation include:

  • Mud tubes on exterior walls or in crawl spaces.
  • Discarded wings near windowsills, doors, or on floors.
  • Soft or hollow-sounding wood.
  • Buckling or swollen floors.
  • Tight-fitting doors and windows.

Homeowners Insurance Coverage for Termites

Many homeowners wonder if their insurance policy covers termite damage. Unfortunately, Most standard homeowners insurance policies do not cover termite damage. This is because termite damage is considered a preventable problem that should be caught and treated early on.

Key takeaway: Most standard homeowners insurance policies do not cover termite damage, as it is considered a preventable problem that should be caught and treated early on. Regular inspections, maintenance, and preventative measures such as fixing leaks, removing standing water, and sealing cracks can help prevent termite infestations. If an infestation is detected, it is important to contact a pest control professional for appropriate treatment options.

Exceptions to the Rule

There are a few exceptions to the rule, however. If your home is damaged by a falling tree, and the tree was infested with termites, your insurance policy may cover the damage. Additionally, if your termite damage was caused by a covered peril, such as a fire or a burst pipe, your insurance policy may cover the damage. It is important to check with your insurance company to see what is covered under your specific policy.

Prevention and Treatment of Termites

The best way to prevent termite infestation is through regular inspections and maintenance of your home. This includes:

  • Fixing any leaks in your home’s plumbing.
  • Removing any sources of standing water around your home.
  • Keeping firewood and other wood-based materials away from your home.
  • Sealing any cracks or crevices in your home’s foundation.


If you suspect that you have a termite infestation in your home, it is important to contact a pest control professional as soon as possible. There are several treatment options available, including:

  • Liquid barrier treatments.
  • Baiting systems.
  • Wood treatments.

It is important to choose a treatment option that is appropriate for your specific situation. A pest control professional will be able to assess your home and recommend the best course of action.

FAQs – Are termites covered under homeowners insurance?

Are termites typically covered under a standard homeowners insurance policy?

Unfortunately, termites are usually not covered under a standard homeowners insurance policy. Most insurance policies list termites as an excluded peril, meaning that any damage caused by these pests is not covered. This is because termite damage is typically considered to be a result of long-term neglect or failure to properly maintain a property, rather than a sudden, unexpected event.

Is there any way to get coverage for termite damage?

While termites are not typically covered by homeowners insurance, there may be other options for getting coverage for termite damage. Some insurance companies offer riders or add-ons to their policies that specifically cover termite damage, but these can be expensive and may not always be worth the cost. Additionally, some states offer termite insurance or protection plans through their licensing boards or other government entities, which can provide coverage for termite damage.

How can I prevent termite damage from occurring in the first place?

Preventing termite damage is all about being proactive and taking steps to reduce the likelihood of an infestation. This can include things like maintaining proper moisture levels in and around your home, fixing any leaks or plumbing issues promptly, avoiding storing firewood or other wood debris near your home, and having regular termite inspections performed by a licensed professional. Additionally, using certain types of treated or resistant building materials can help prevent termite damage from occurring.

What should I do if I think I have a termite problem?

If you suspect that you may have a termite problem in your home, it is important to act quickly to prevent further damage. Your first step should be to contact a licensed termite inspector or pest control professional, who can assess the extent of the damage and recommend a course of action. Depending on the severity of the infestation, treatment options may include chemical treatments, baiting systems, or fumigation. While termite damage may not be covered under your homeowners insurance policy, taking prompt action to address an infestation can help prevent further damage and save you money in the long run.