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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.

Video Transcript

The Debunkinator: Insurance Misconceptions Debunked.

Dinner guests show up at your home uninvited. Are you protected? Most likely, you're not protected. A typical homeowners policy generally does not include coverage for damages caused by termites. However, there are some tips you can consider to help you protect your house against termites.

Learn more at


When it comes to protecting your home, quality coverage makes all the difference. Allstate home insurance can help take care of what matters to you.

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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. © 2020 Allstate Insurance Company, Northbrook, IL.
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