Homeowner insurance policies typically do not cover termite damage. Termite damage is generally considered a preventable issue and is therefore not covered by standard homeowner insurance policies. Most insurance policies exclude coverage for damage caused by pests, including termites. This is because termite damage is often seen as a result of poor home maintenance rather than an unexpected event or accident. However, it's important to note that every insurance policy is different, so it's always a good idea to review the specific terms and conditions of your policy to understand what is covered and what is not. Some insurance companies may offer additional coverage options for termite damage, but these are typically separate policies or endorsements that need to be purchased separately. If you're concerned about termite damage, it's best to take preventive measures such as regular inspections and treatments. Consulting with an insurance professional or contacting your insurance provider directly can also provide you with more accurate and up-to-date information regarding coverage for termite damage.