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Does home insurance cover termites?
We found some termites in the wall and a ton of damage while building an extension to our bungalow. Who knows how long they’ve been there! Will our home insurance cover termites?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! So sorry to hear about your termites! While termites can do a significant amount of damage, home insurance typically excludes termite damage.
Termites and pests are considered the responsibility of the homeowner. That’s because they’re preventable with proper maintenance of your property. The only kind of wildlife damage that a typical
homeowners policy
is likely to cover is sudden damage caused by wild animals, like a deer crashing through your patio.It’s a good thing you found the damage now, though. You’ll want to act quickly to get rid of the termites and minimize the wood damage to your home.
To keep termites out in the future, make sure your home has a good barrier between the soil and the foundation. You can also spread diatomaceous earth around your foundations. Another good option is to use termite-proof building materials like pressure-treated lumber or cement.
Disasters happen and we can’t always control the outcome. Homeowners insurance is a good way to protect yourself from some of life’s surprises. To find a policy that works for you, contact the friendly people at
Jerry
. We can help you assess your options, find a rate you love, and sign you up for a new policy.Good luck!
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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