Home insurance policies typically do not cover termite damage. Termite damage is generally considered a preventable maintenance issue rather than a sudden and accidental event, which is what most home insurance policies are designed to cover. Termite infestations and the resulting damage are usually seen as the responsibility of the homeowner. It is important to note that each insurance policy is different, so it is always a good idea to review the specific terms and conditions of your policy to understand what is covered and what is not. Some policies may offer optional coverage for termite damage, but this is not typically included in standard home insurance policies. If you are concerned about termite damage, it is recommended to take preventative measures such as regular inspections and treatments. Additionally, there are specialized termite insurance policies available that specifically cover termite damage, so you may want to explore those options if you live in an area prone to termite infestations.