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Is Termite Damage Covered by Homeowners Insurance?

Updated: November 2016

Termites cause more than $5 billion in property damage every year, according to the National Pest Management Association. And while they can be a very real threat to your own home, you should know that termites damage is generally not covered by a homeowners insurance policy. That's because standard homeowners policies provide coverage for perils that are sudden and accidental, not infestations of termites or other pests that may have been prevented with home maintenance.

While termite damage generally is not covered by a homeowners insurance policy, a local agent can talk with you about other ways to help protect the people and things that matter to you most.

A suburban home.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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