Homeowners insurance typically does not cover termite damage. Termite damage is generally considered a maintenance issue and is not covered by standard homeowners insurance policies. Most insurance policies exclude coverage for damage caused by pests, including termites. This is because termite damage is often preventable through regular maintenance and inspections. However, if your home is damaged by a covered peril, such as a fire, and termites are discovered during the repair process, some insurance policies may cover the cost of termite treatment. It's important to review your specific policy and speak with your insurance provider to understand the coverage and exclusions related to termite damage. Additionally, some insurance companies offer separate termite insurance policies or endorsements that can provide coverage for termite damage. These policies typically require regular inspections and preventative measures to be in place. If you're concerned about termite damage, it's a good idea to consult with an insurance professional to explore your options.