Is Termite Damage Covered by Homeowners Insurance?

Damage caused by termites can be expensive and time-consuming, so it’s best to keep them out by proactively protecting your home from these tiny invaders. It’s also a good idea to get annual inspections from a pest management professional. Standard homeowners insurance policies rarely cover termite damage. That’s because termite and other pest damage is considered a home maintenance problem — something you can and should have prevented.

For example, say you don’t repair a leaky faucet or water pipe, and down the road you have water damage in your home. Depending on the policy, you may be left responsible to pay for the damage because you should have fixed the dripping pipe right away. Termite damage is similar in that sense. Policies tend to only cover damage that is considered sudden or accidental, like a burst pipe.

To learn more about homeowners insurance and termite damage, check out this Allstate Insurance Company video!