Does my home insurance cover termite damage?

No. Damage from termites, rodents and other pests isn’t covered by your Sonnet homeowners insurance.

If you’re wondering why, it’s because home insurance exists to cover sudden and accidental damage. Termite damage happens over a long period of time, so it doesn’t fall under either sudden or accidental.

The best way to prevent costly repairs due to termite damage is to have your home regularly checked over for pests.

Buying a new home? Have it inspected for termites before going through with the purchase. This way, you can have the seller repair the damage beforehand. Or, you can renegotiate the price.

Have more questions about what Sonnet covers (and what we don’t)? Give us a shout via email or chat. We’re happy to help!