Unfortunately, termite damage is usually not covered by your homeowner’s insurance. In fact, most insurance providers consider pest infestations and the damage they cause “maintenance” issues.
Therefore, if there is termite damage, you, not your insurance company, will be out any expenses for repair. What your insurance will probably cover is any “collateral” damage, such as your roof collapsing, because this type of damage is considered to be “sudden and accidental.” Although your homeowners insurance doesn’t provide termite protection – there are some pest control companies that do offer termite insurance.
Contact your homeowner’s insurance company to find out what IS covered and what IS NOT covered in your policy. You may want to consider purchasing additional coverage to compliment your current policy. By doing this, you’ll be able to obtain adequate homeowner’s insurance for your home.