Homeowners insurance typically does not cover termite damage. Termite damage is generally considered a maintenance issue and is not covered by most standard homeowners insurance policies. Policies usually exclude coverage for damage caused by pests, including termites. It's important to note that prevention and maintenance of termite infestations are the responsibility of the homeowner. However, there are specialized pest control and termite insurance policies available that can provide coverage for termite damage. These policies are separate from standard homeowners insurance and may offer protection against the costs of repairing termite damage. It's advisable to review your insurance policy and consider purchasing additional coverage if you live in an area prone to termite infestations.