Category Archives: Termites

Does Homeowners Insurance Cover Termite Damage? The Answer Might Bug You

Source: Realtor.com (Margaret Heidenry)

Termites eat 24/7, and if they’re in your walls or foundation, your home is basically the insects’ all-you-can-eat buffet. Of course, there’s no such thing as a free lunch—that banquet comes at a major cost to homeowners. According to the entomology department at the University of Kentucky, termites cause billions of dollars in damage a year. The worst part is, you usually don’t know they’re eating your home until it’s too late, leaving you to wonder—does homeowners insurance cover termite damage? (Spoiler alert: You won’t like the answer.)

Termite damage and home insurance

“Homeowners insurance does not cover damage from insects, whether it’s from termites, bed bugs, or another infestation,” says Stacey A. Giulianti, a lawyer in Boca Raton, FL. In general, that’s because homeowners insurance doesn’t cover any damage to a property that is “preventable.”

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