Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Does Home Insurance Cover Termite Damage?

Termites cause $5 billion worth of damage annually to U.S. homes, which is more than the amount caused by fires, tornadoes, and earthquakes combined. But will homeowners insurance cover termite damage? What many homeowners don't know is that damage from termites and other pests is not typically covered under their homeowners insurance policy because insurance companies consider termites preventable.

However, there are some situations where a homeowners policy may cover residual termite infestation damage. For example, if a support beam is damaged by termites and a structure connected to that beam, like a wall or roof, falls, your home insurance may cover the cost of repairing that structure. But it’s important to know that the home insurance policy will not typically cover the cost of repairing the damaged beam.

How can you protect your home from termite damage?

To help keep your home free of termites, have it inspected annually or more often if you live in a neighborhood know to have a termite problem. If you’re buying a home, make sure it was inspected for termites. For additional protection, buy a termite bond through a pest control company. A termite bond typically states that the pest control company will inspect for signs of termites and treat your home at fixed intervals, and if termite damage occurs during the time the bond covers, the company will help pay for repairs. This can prevent you from paying thousands of dollars out of pocket for structural damage after an infestation.

If your home insurance policy doesn’t cover pest damage, or you are frustrated with the way your provider handled your claim about pests in your home, give an expert a call. Licensed agents can help you shop around and find a home insurance policy that gives you all of the coverage you need without overpaying.

Ask the insurance agent to help you compare quotes and policies from different insurance providers. Find out if the homeowners policy you’re considering covers termite damage, flood damage (some companies require you to purchase a separate policy for flood insurance), and damage from broken pipes. If the standard policy does not offer the coverage you need, there may be riders you can add for an additional premium.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Free Insurance Comparison

Enter your zip code below to view companies that have cheap insurance rates.

secured lock Secured with SHA-256 Encryption