Homeowners insurance typically does not cover termite damage. Most standard homeowners insurance policies exclude coverage for damage caused by pests, including termites. This is because termite damage is considered a preventable issue that can be avoided through regular maintenance and inspections. Termite damage is often seen as a result of neglect or lack of proper home maintenance. However, it's important to note that every insurance policy is different, so it's always a good idea to review your specific policy or contact your insurance provider to understand the coverage details. Some insurance companies may offer additional coverage options for termite damage, but these are usually separate policies or endorsements that need to be purchased separately. It's also worth mentioning that homeowners insurance typically covers sudden and accidental damage, such as fire or water damage, but not damage caused by gradual wear and tear or maintenance issues. So, if you suspect termite damage, it's important to address the issue promptly and take preventive measures to avoid further damage. Regular inspections and maintenance can help detect and prevent termite infestations. If you're concerned about termite damage, it's best to consult with a professional pest control company or an insurance agent who can provide more specific guidance based on your situation.