Does Homeowners Insurance Cover Termite Damage?

Homeowners insurance almost never covers termite damage — it’s treated as a preventable maintenance problem.

By the Home & Dime Editorial Team · Last updated 2026

Why it’s excluded

Termite infestations develop slowly and are considered preventable with inspections and upkeep.

Protect your home instead

• Annual termite inspections.
• A termite bond / pest-control plan.
• Fix moisture issues.

Frequently asked questions

What if termites cause a collapse?

Sometimes claimed under collapse coverage, but often denied.

What covers termites?

Prevention and a pest-control contract.

The bottom line

Assume termite damage is on you — prevention is your real protection.

Related guides

• What Is NOT Covered by Homeowners Insurance?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.