Is termite damage covered under home insurance?

by Tina Broyles, DRE 01009212 & NMLS 91630 03/30/2025

yellow image with figure of termite

Owning a home can be a wonderful experience. You have your very own space to do as you please. However, there are also many challenges to homeownership. Every year, many homeowners battle termite damage. This guide provides a basic understanding of termite damage coverage and how to protect your home from these critters. 

Does homeowners insurance cover termite damage to your home? 

Unfortunately, home insurance policies don’t offer coverage for damages to your property from termite infestations. Subterranean termites tunneling and eating away at your home is a slow process, whereas homeowners insurance is reserved for unforeseen emergencies and accidents. Insurance companies consider termite prevention as a normal part of home maintenance. 

How do you detect termite damage?

So, how do you detect termites to prevent damage? Doing routine checks a few times a year can greatly help in spotting a termite infestation before extreme damages occur. For example, you may notice a pile of insect wings. A specialist can identify if they belong to termites and examine your home for damages. Hiring a professional usually costs around $50 to $200. 

Defend your home from termites

With the right preventative measures, you can stop termites from invading your home. These include: 

  • Not stockpiling firewood close to your home. 
  • Make sure water from storm drains doesn’t fall too close to your home’s foundation.
  • Check areas around your home for tunneling. 

Termite damage can be an annoyance. However, the right surveillance and being proactive will protect your space. Speak with a local termite specialist today for more information.

About the Author
Author

Tina Broyles, DRE 01009212 & NMLS 91630

HELLO.... Im a California Bay Area Resident serving the Real Estate community since 1987!

I serve people with professionalism, knowledge and care and my business has grown to almost 100% referred as a result.

Happily married with two grown children and two beautiful granddaughters, Audrina & Chesney! 

I love to golf, exercise, Bible study & serve the Homeless community weekly in Milpitas.

I support our businesses and our community!

I'm well known and respected by my peers. Voted Best of Milpitas every year since 2000-2020 until we relocated after COVID from Milpitas to San Jose in 2020.

One of the compliments we consistently hear is how responsive we are to our client’s needs. That is so important to us!

I'd be honored to get to know you and your family and put my real estate experience to work for you!

ABOUT MY BUSINESS:

My Team represents a diverse array of skills and provides the perfect balance of experience and professionalism working in the Bay area. Our technology capability is beyond expectation!

CAL BRE #01009212 NMLS #2441