HomeProperty InsuranceDoes My Insurance Cover Termite Damage?

Does My Insurance Cover Termite Damage?

The very definition of a insurance claim is that it has to be sudden and accidental for that very reason the gradual damage caused by termites, as well as any insect damage is generally not covered by standard homeowners policies. There may be certain situations however where you can get some compensation.Â

There are two cases where your homeowners insurance will cover termite damage, up to the limits of your policy:

  • When the house completely collapses from termites
  • Something (a risk or peril) you’re covered for causes the termites

In the vast majority of cases however, homeowners insurance policies will not cover damage caused by termites or any other vermin, insect or pest smaller then a raccoon. Termites differ from other commonly covered hazards in that they are considered preventable. A tornado or hurricane you cannot prevent; termites rotting the frame of your home you can prevent. This includes damage to the structure of your home as well as your personal possessions.




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