Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Termite Damage

One major question for anyone facing this common problem: does homeowners insurance cover termite damage? Termite damage may be covered under some homeowners insurance policies under the property damage section regarding collapses, specifically.

Other policies may exclude termite damage. In order to know if you are protected, or to find proper protection, you will need to understand the purpose and parts of home insurance and how it relates to termite damage.

Homeowners insurance is one of the most important facets of owning a home and protecting its value. It is also a very integral part of the home buying process as both mortgage companies and lenders want to know that your home is covered by insurance.

Being covered is one thing, but having adequate coverage for all types of situations in quite another. One unforeseen predicament that many homeowners find themselves in is termite damage. This may cause you to ask the question; is termite damage covered by homeowners insurance? Read on to learn all about termite damage and home insurance and then be sure to enter your ZIP code above for FREE insurance quotes!

What is Homeowners Insurance?

Before understanding what termite damage is and if it is covered, there are some basics about homeowners insurance that you should become familiar with.

First of all, homeowners insurance is required by mortgage companies and lenders.

You cannot purchase a home with having it insured, unless you are paying the total amount without a loan.

is termite damage covered

For most people, a home is the single most expensive purchase they will make. With this purchase comes reward, pride, but also risk. A homeowners insurance company will assess the risk associated with your home and develop a policy based on the risks your home presents. The riskier the home is to insure, the higher the monthly premium rate will be. The premium rate can be billed separately or it can be built into your monthly mortgage payment.

The risk your home poses or does not pose is determined by a combination of factors. For example, the area your home is in is part of the determining criteria. If your home is located in a high crime area or an area where the police to population ratio is high, your home will be at more risk. If your home is older, it is at more risk for damage, fire, and structural problems.

If you have an alarm system, a fire extinguisher, smoke detectors, and motion sensor lights, your home will be in a lower risk category. If you are the first owner of your home it will also be in a lower risk area. All of these factors and more help determine your overall homeowners insurance policy.

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Parts of a Home Insurance Policy

There are two parts to a homeowners insurance policy. The first part is liability and the second part is property damage. Liability covers the injury or death of someone in your home or on your property. This is for accidental death and does not cover suicide or intentional death. If you have devices on your property such as ATV’s or a trampoline, your insurance policy will cost more.

Property damage covers damage to your home. This damage could be the result of vandalism, a break-in, or a natural disaster such as a windstorm or hailstorm.

Also, a non intentional fire would be covered under property damage. Special insurance for floods or hurricanes is not included on a typical policy and should be added if needed. Property damage insurance is where termite damage comes into play if it is indeed part of your homeowners insurance policy.

Termite Damage & Home Insurance Coverage

termite damage covered by insurance

It may seem unbelievable, but termite damage costs Americans more than $3 billion a year. The majority of homes, suffer some type of termite damage. Your best bet against such damage is to spray for termites a least once per year regardless of whether or not you see them, and if you are having your house built, to request that the builder uses termite resistant wood.

When it comes to termite damage, the policy coverage can be tricky. Many policies have an outright exclusion that says termite damage is not covered. The majority of insurance policies do not cover it. However, if your home or a portion of your home collapses and it is due to termite damage, you may be covered. That is because a typical homeowners insurance policy will cover collapses regardless of the cause.

The best thing to do is to fully understand your policy before you purchase it and ask questions about termite damage coverage as well as structural problems that result from termite infestations. While shopping for a homeowners insurance policy, you can compare rates and quotes using our free online comparison tool. This allows you to enter the information about your home one time online and receive several rates and quotes. Use our online tool today to find the policy that will meet your needs and protect you from termite damage. Enter your ZIP code to start right now!