Does home insurance cover termite damage?

We just discovered termites in our house. Will our insurance cover it? I can't find anything in our policy. I do see a clause about sudden and unexpected damage, would this qualify since we didn't know?

Answer
“In home insurance, almost all policies exclude insects specifically from their coverage. If you have an HO-3 policy, your coverage is on an open-peril basis, but damage from insects, birds, and animals are excluded.
To be sure, you should look in the conditions section of your home insurance agreement. If you’re not able to find an exclusions list, reach out to your carrier. They’ll be able to tell what is excluded in your policy.
While the termites were unexpected, they won’t qualify under the sudden and expected damage clause. If you live in an area where termites are prevalent, most companies recommend additional termite insurance. This protects your home from any damage resulting from termites.
You’ll have to repair the damage and get rid of the termites before your insurance would allow you to purchase termite insurance; however, it is something to consider in the future.”
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Emily Maracle
Answered on Jul 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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