Termites and homeowners insurance
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Does home insurance cover termite damage?

Does homeowners insurance cover termites?

Homeowners insurance is designed to cover risks and damage that are accidental and sudden. As a pest control company will tell you, termites aren’t a sudden phenomenon. While you may not initially know they’re sharing your home, they will stick around as long as you continue to provide them with food and water. The cost to remove termites and repair their damage is generally not covered by your homeowners insurance.

Can termites actually damage my home?

According to the National Pest Management Association, termites cause $5 billion in property damage each year. Termites eat wood, including the support beams in your house or the walls. They dine on cabinets, flooring, furniture and ceilings, and can eat through plaster and metal.

Termites can live in the home and cause damage for years before they’re discovered. Unfortunately, by the time people discover they have termites, the pests have caused a lot of damage. Repair might mean opening walls and flooring to replace the devastated home foundations, in addition to replacing furniture or other affected items.

How can I find termites in my home?

To the untrained eye, termites are difficult to spot. But once you understand some of the telltale signs, they’re easier to see.

If there’s any question about whether you have termites, call a pest control company to conduct a thorough inspection.

Can I get termite insurance?

Insurance companies generally don’t sell termite coverage, but some pest control companies offer plans for annual inspection and treatment. Before buying a home, you should have it inspected for termites. If there is termite damage, you can renegotiate the home price or have the seller repair the damage before the purchase goes through. It’s easier to tent a house for fumigation before you move in.

It pays to be aware of the destruction termites can wreak and to inspect your house regularly to catch any damage sooner rather than later. Learn more today about what homeowners insurance covers.

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