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Jonathan Maines, Premiere Plus Realty Co.Phone: (239) 682-2019
Email: [email protected]

Does your homeowners insurance cover termite damage?

by Jonathan Maines 02/16/2025

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

Jonathan Maines

After graduating from the University of Wisconsin- Eau Claire, Jon moved to Naples, Florida in 1989 where he took a job with the Naples Police Department. In 1991 Jon married his wife Kathy, also from Wisconsin, and had two children. During the next 19 years Jon continued to work for the Naples Police Department ultimately becoming a Lieutenant. During this time he and Kathy also became successful real estate investors. In June 2010 Jon retired from the Naples Police Department to focus his energies into being a successful Real Estate Professional. Jon believes that his faith, honesty, integrity, knowledge and hard work have been the key principals to his success in the Real Estate Business. If you are looking for an agent you can count on and trust to give you an honest perspective when looking to buy or sell your home, Jon is here to serve you. Call today for a free market analysis!