Homeowner insurance policies typically do not cover termite damage. Termite damage is generally considered a preventable issue and is therefore not included in standard homeowner insurance coverage. Most insurance policies exclude coverage for damage caused by pests, including termites. However, it's important to review your specific policy as coverage can vary depending on the insurance provider and the terms of your policy. Some insurance companies may offer optional coverage for termite damage, but it usually comes at an additional cost. If you're concerned about termite damage, it's a good idea to contact your insurance provider directly to inquire about any available coverage options. They will be able to provide you with the most accurate and up-to-date information regarding your policy's coverage for termite damage.