Here’s a major scare: Homeowners insurance won’t cover termite damage.
Home insurance covers problems that are considered “sudden and accidental.” Termite damage is gradual and can be prevented with maintenance. Home insurance doesn’t cover problems that are due to poor maintenance.
Home insurance also won’t pay for termite extermination fees or preventative measures. Those costs are considered part of the routine maintenance of a home.
There may be rare exceptions when home insurance covers a problem caused by termites. For example, if termites chewed through your home’s wiring and resulted in a house fire, your home insurance will generally cover the fire-related damage.