What Does Termite Insurance Actually Cover?

Termites pose a significant threat to homeowners, compromising structural integrity. Extensive damage leads many to seek protection, raising questions about “termite insurance.”

Scope of Termite Damage Coverage

Most standard homeowner’s insurance policies do not cover damage caused by termites. Insurers consider infestations preventable, part of routine home maintenance rather than a sudden event. Damage from pests like termites is viewed as gradual deterioration, typically excluded.

Limited scenarios exist where termite damage might indirectly receive coverage. If termites cause a fire by chewing wiring, the fire damage is likely covered. If a burst pipe leads to rapid infestation, water damage might be covered, but not the termite damage or extermination. Even then, policies typically exclude termite removal or repair costs, classifying them as maintenance.

Specific, often expensive add-ons or riders might be available for comprehensive policies, though uncommon. These endorsements could cover structural repairs from new termite damage, but have strict conditions. Exclusions often include pre-existing damage, preventative treatments, routine inspections, or lack of maintenance.

Termite Guarantees and Service Agreements

What homeowners call “termite insurance” is usually a service agreement, or “termite bond,” from a pest control company. These contracts outline specific services and guarantees, distinct from traditional insurance. They protect against future termite activity through ongoing management.

A typical service agreement includes initial treatment to eliminate existing infestations and establish a barrier. After treatment, the agreement usually provides annual inspections for new activity. If termites return during the agreement, re-treatment is often guaranteed at no additional cost.

Some higher-tier agreements may include a limited repair guarantee for new damage occurring after the bond is in effect. These guarantees are often capped and have strict conditions, like continuous annual renewal. Exclusions commonly include pre-existing damage, other pests, or homeowner negligence/lack of maintenance.

Securing Termite Protection

To inquire about rare insurance riders or specialized endorsements for limited termite coverage, contact your home insurance provider or an independent agent. Such offerings are not standard and may be difficult to find, but it’s the first step for those seeking this specific type of protection.

For robust termite protection, obtain a professional inspection from a reputable pest control company. This identifies existing infestations or vulnerabilities. Then, solicit quotes from licensed pest control companies for initial treatment and service agreements.

When evaluating proposals, clarify included services: initial treatment, re-treatment guarantees, and annual inspections. Ask if a repair guarantee is offered, understanding its limitations and conditions. Inquire about annual renewal costs, bond transferability if the home is sold, and the company’s licensing and reputation. Review contract terms thoroughly before committing to any service agreement.