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Does home owner insurance cover termite damage?
I own a remodeled hunting cabin that gets used all year long. I’ve recently noticed some termite damage by the windows. Will my hunting cabin’s home insurance policy cover termite damage?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—seeing signs of termite damage is never good, but it sounds like you caught the problem early!
The bad news is
home owner insurance
doesn’t typically cover termite damage because the damage is not the result of a covered peril
. Additionally, most home insurance policies exclude damage from pests, insects, rodents, and vermin since it’s considered preventable with proper maintenance.
You’ll have to pay for an exterminator or any other costs related to the termite damage out-of-pocket.
If you want to help offset the cost of an exterminator, you should use
Jerry
to save some money on your home or car insurance
policy.After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy. So why do all that extra work when Jerry can do it better?
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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