Homeowner insurance policies typically do not cover termite damage. Termite damage is considered a preventable maintenance issue and is therefore not covered by most standard homeowner insurance policies. Insurance policies generally cover sudden and accidental damage, such as damage caused by fire, windstorms, or vandalism. Termite damage is considered gradual and preventable, as it occurs over time due to the presence of termites. Preventing termite damage is the responsibility of the homeowner, and it is recommended to take proactive measures such as regular inspections and treatments to prevent infestations. However, some insurance policies may offer optional coverage for termite damage as an add-on or endorsement. It is important to review the terms and conditions of your specific homeowner insurance policy or consult with your insurance provider to determine if termite damage is covered. Additionally, separate pest control or termite protection plans may be available that can help cover the costs of termite treatment and repairs. It is advisable to consult with a licensed insurance professional or pest control specialist for personalized advice regarding termite damage coverage and prevention.