Will Homeowners Insurance Cover Termites?

  1. 1265 POINTS
    Drew Delaney, J.D., CLCS
    Commercial Lines Producer, Secure Investors Group, INC, Troy, Michigan
    Nope.  A very common exclusion is damage caused by pests/parasites.  The reason for this exclusion is it is preventable.  Taking a step back, insurance is meant to provide coverage for sudden and unexpected events that can cause a catastrophic loss.  If something can be prevented then there is typically no coverage.  Termites fall into the category of being preventable.
    Answered on June 26, 2013
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