Homeowner insurance typically does not cover termite damage. Most standard homeowner insurance policies exclude coverage for damage caused by pests, including termites. This is because termite damage is considered a preventable issue that can be addressed through regular maintenance and inspections. Termite infestations are generally seen as a result of neglect or lack of proper upkeep, rather than an unexpected or sudden event. Therefore, it is important for homeowners to take proactive measures to prevent and address termite infestations. However, there may be some exceptions to this general rule. Some insurance companies offer optional coverage for termite damage as an add-on to the standard policy, but this is not common. It's best to review your specific homeowner insurance policy or contact your insurance provider directly to understand the extent of coverage for termite damage. Additionally, it's worth noting that separate termite protection plans or warranties are available through specialized pest control companies. These plans can provide coverage for termite treatment and repairs in case of an infestation. It's advisable to consult with a professional pest control company to assess your options for termite prevention and protection.