Ignite FB Tracking PixelIs termite damage covered under home insurance? - Lana Harris
Keller Williams Realty Park City
Lana Harris, Keller Williams Realty Park CityPhone: (435) 640-8717
Email: [email protected]

Is termite damage covered under home insurance?

by Lana Harris 07/07/2025

yellow image with figure of termite

Owning a home can be a wonderful experience. You have your very own space to do as you please. However, there are also many challenges to homeownership. Every year, many homeowners battle termite damage. This guide provides a basic understanding of termite damage coverage and how to protect your home from these critters. 

Does homeowners insurance cover termite damage to your home? 

Unfortunately, home insurance policies don’t offer coverage for damages to your property from termite infestations. Subterranean termites tunneling and eating away at your home is a slow process, whereas homeowners insurance is reserved for unforeseen emergencies and accidents. Insurance companies consider termite prevention as a normal part of home maintenance. 

How do you detect termite damage?

So, how do you detect termites to prevent damage? Doing routine checks a few times a year can greatly help in spotting a termite infestation before extreme damages occur. For example, you may notice a pile of insect wings. A specialist can identify if they belong to termites and examine your home for damages. Hiring a professional usually costs around $50 to $200. 

Defend your home from termites

With the right preventative measures, you can stop termites from invading your home. These include: 

  • Not stockpiling firewood close to your home. 
  • Make sure water from storm drains doesn’t fall too close to your home’s foundation.
  • Check areas around your home for tunneling. 

Termite damage can be an annoyance. However, the right surveillance and being proactive will protect your space. Speak with a local termite specialist today for more information.

About the Author
Author

Lana Harris

Lana Harris is a Chicago native who is a second-generation real estate professional. She was introduced to  real estate  at a very young age while attending open houses with her mother who is a broker.  She honed her skills assisting in property searches (back in the thick, Multiple Listing Service book days,) and using map reading skills to help plan property tour sequencing. Lana’s love of working with people and delivering strong customer service led her to the retail sector, where she developed her management skills at  MC Sports, Ann Taylor, and Adidas.  She and her husband moved to Utah in 2008 to enjoy the natural beauty of the mountains, and she began her real estate career here in 2015.  Most recently, she was a VP of sales for a large team; she thrives on challenges and is determined to overcome obstacles to achieve results for her clients.  Lana and her husband enjoy their three large dogs, skiing, camping and paddleboarding.