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Does the insurance cover termite damage?



I started Insurance Blog by Chris ™ because I have a passion for insurance. Here on the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers who help people understand all forms of insurance.

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Written by

Chris Huntley

Founder of Huntley Wealth & Insurance Services

Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she received her Property and Casualty license in all 50 states. After several years, she expanded her insurance expertise and also received her license in health and AD&D insurance. She has worked for small health insurance companies …

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Reviewed by


Rachael Brennan

Licensed insurance agent

Rachael Brennan

UPDATED: April 1, 2022

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Here’s Scoop

  • Because termites are a pest that can be prevented through proper home maintenance, termite damage is not covered by a home insurance policy.
  • Signs of termites often include holes in the drywall, doors or walls that get stuck, and tunnels and pipes that the termites have created
  • Home insurance rates vary depending on the size of your home, the amount of coverage you need and other factors

If you have termites in your home, you may be curious about whether your home insurance covers termite damage. Because termites and other insects and pests can be prevented by homeowners who use proper maintenance techniques, termite damage to a home is usually not covered by home insurance.

Your current home insurance will shed light on what is covered by your insurance. When you familiarize yourself with your home insurance, you may find that you want to look for a new insurance that offers more coverage or a cheaper monthly payment.

If you want to switch from your current insurance company, be sure to shop around online and compare rates from multiple companies at once. This allows you to make sure you find the coverage that works for you without paying too much in monthly rates.

How do you know if you have termites?

In many areas, the termite season begins in the spring. If you own a home, it is important that you know some early warning signs of termites, such as mud pipes.

Some of the most common signs of termites in a home include:

  • Doors or windows that get stuck
  • Damage under paint or wallpaper in the home
  • Clay pipes
  • Termite play
  • Termite heater

If you have termites in your home, it can save thousands of dollars when it comes to repair and eradication costs if you recognize the early warning signs of termites. Homeowners who suspect they may have termites can book an inspection to know for sure.

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What do termite damage look like?

To understand termite damage, you want to know more about the signs of termites in a home. There are many signs of termites, and these termites can be difficult to see until you know what you are looking for. Most known signs of termite damage include clay pipes and overall damage to window sills and walls. But there are other signs of termites in a house.

Discolored plasterboard, small holes in plaster and wood, and very squeaky floorboards can all be signs of termites. Depending on the breed of termites in your area, you may notice swarms of termites in or around your home or on your property.

The damage that termites leave behind varies from small and insignificant surface damage to structural problems that can cost thousands of dollars to repair. This is why it is so important that you learn how to know if you have termites, because catching them early can save you a lot of money and trouble.

What do you do if you find termites?

If you have learned to see if you have termites and have seen signs of termites in your house, your best bet is to let someone come out and do an inspection. When a company comes to see if you actually have termites in the wood of your home, an expert can tell you what you need to do.

In most cases, specialists will use a combination of traps and poison to rid your home of common house termites. However, you will still need to assess the damage that was done and make the necessary repairs before your home is actually taken care of.

How much does it cost to get rid of termites?

The average cost of termite treatment can range from $ 500 to $ 3,500. This is a wide range, and the cost can be even higher if your home has undergone extensive damage from termites.

To prevent you from having to pay hundreds or thousands of dollars to repair your home after a termite infestation, your best bet is to take steps to ensure that you never get termites in the first place. Some of the best ways to eliminate the risk of termites include:

  • Do not allow wood to come into direct contact with the ground.
  • Do not allow moisture to accumulate near the foundation of your home.
  • Reduce moisture and moisture in your crawl spaces.
  • Do not store firewood or debris against or along the foundation of your home.
  • Avoid using compost whenever you can.
  • Consider having a professional treat your home for pests.

If you take appropriate precautions, you are much less likely to experience termites in your home or property.

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Does the home insurance cover termite damage?

As mentioned earlier, homeowners can avoid getting termites in their homes by taking certain precautions when it comes to pests. Because of this, home insurance does not cover termite damage.

If you do not have home insurance, but you are looking for one – or if you are looking for a new insurance to try to get better coverage or save on monthly premiums – you will find that virtually all home insurance refuses to pay for repairs after a termite infestation. .

But you may still be able to find affordable home insurance rates in your area with coverage that will help in other circumstances. The table below shows the average monthly home insurance rates in each state in the United States

Average monthly home insurance rates per state

State Average monthly home insurance rates
Alabama 117 $
Alaska 82 USD
Arizona 70 USD
Arkansas 118 USD
California 89 USD
Colorado 135 USD
Connecticut 125 USD
Delaware 73 USD
District of Columbia 105 USD
Florida $ 163
Georgia 109 USD
Hawaii 95 USD
Idaho 64 USD
Illinois 92 USD
Indiana $ 86
Iowa 82 USD
Kansas 135 USD
Kentucky 96 USD
Louisiana $ 166
Maine 75 USD
Maryland 89 USD
Massachusetts 129 USD
Michigan 82 USD
Minnesota 117 $
Mississippi $ 132
Missouri 115 USD
Montana 103 USD
Nebraska 131 USD
Nevada 65 USD
New Hampshire 82 USD
New Jersey 101 USD
New Mexico 90 USD
New York 110 USD
North Carolina 92 USD
North Dakota 108 USD
Ohio 73 USD
Oklahoma $ 162
Oregon 59 USD
Pennsylvania 79 USD
Rhode Island $ 136
South Carolina 107 USD
South Dakota 107 USD
Tennessee 103 USD
Texas $ 163
Utah 61 USD
Vermont 78 USD
Virginia 86 USD
Washington 73 USD
western Virginia 81 USD
Wisconsin 68 USD
Wyoming 99 USD
National average 101 USD

Your home insurance quotes with different companies will vary based on a number of factors, such as the size of your house, the type of home insurance you want and whether you include additional insurance such as flood insurance in your home insurance.


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