Family Auto Insurance Agency
  • Home
  • Online Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Workers Compensation Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Client Center
    • Policy Review
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Workers Compensation
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Newsletter Signup
    • Blog
    • News
  • Contact
  • Home
  • Online Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Workers Compensation Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Client Center
    • Policy Review
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Workers Compensation
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Newsletter Signup
    • Blog
    • News
  • Contact

Family Auto Insurance
​Agency Blog

Does Homeowner Insurance Cover Termite Damage?

8/8/2022

0 Comments

 
Picture
​Homeowner insurance does not cover termite damages as these kinds of damages are not abrupt or sudden. Technically, insurance is given when there is unexpected financial loss, but in this case, termite damages are not like unexpected damages to a house like fires or storms. 

Termites aren't pests that cause damage to your house overnight and unexpectedly. Even though one may not see outright that the house they bought had termite damages, they are still not covered due to maintenance issues and unattended pest damage. 

Expenses from repairing and replacing termite damages are maintenance expenses, different from what insurance may usually cover.
What Does Homeowner Insurance Cover?
Homeowner insurance covers the damages to your house, which will need fixing or to be replaced.

Homeowner insurance should cover unexpected losses from the following:
  1. Case of theft
  2. Damages from the exterior or interior of your house from natural disasters or fire incidents
  3. Clothing, furniture, and appliances 
  4. Your pets in case of biting incidents
  5. Rental fees from houses or hotels you lodged in while remodeling or repairing your house.

What Can Be Insured From Termite Damages?
Depending on what is stated in your homeowner insurance, you may be insured from termite damages if the house collapses completely due to termites. You may also be covered if there's a certain risk involved with the termite damage in your house. Some homeowner insurance may insure termite damage where termites may be hidden in floorboards or on the back of a wooden cabinet.

If homeowner insurance does not cover your conditions, here are the things you can do: 
  1. You may turn to pest control companies to provide you with the best offers.
  2. Check on the signed contract between you and the house seller on who is responsible for termite damage or if they have disclosure reports on pest control on the house they're selling.
  3. Ask your insurance provider if they offer pest insurance for property damage from pests in addition to your current insurance.

Conclusion
Suppose you ever experience buying a house without knowing its full status, especially on the pest control maintenance of the house. In that case, you can always first check if your homeowner insurance may somehow cover this property damage. 

Since most homeowner insurance won't cover mild to moderate cases of termite damage, turn to pest control companies for treatment and also avail inspection and maintenance to avoid the same situations like this. Maintenance is the role of the house owner and not on the homeowners' insurance.

At Family Auto Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (313) 285-9042. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.
0 Comments



Leave a Reply.

    Contact Us

    Detroit Office:
    6442 Michigan Ave
    Detroit, MI 48210​
    (313) 285-9042

    Lincoln Park Office:
    3205 Dix Hwy 
    Lincoln Park, MI 48146
    (313) 288-1550
    Click Here to Email Us

    Archives

    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    January 2020

    Categories

    All
    Auto Insurance
    Business Insurance
    Business Owner's Package (BOP) Insurance
    FAQs
    Financial
    Flood Insurance
    Home Insurance
    Insurance
    Local
    Motorcycle Insurance
    Renters Insurance
    Safety

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

Family Auto Insurance Agency
Detroit Office:
6442 Michigan Ave
Detroit, MI 48210​
(313) 285-9042
Lincoln Park Office:
3205 Dix Hwy 
Lincoln Park, MI 48146
(313) 288-1550
Click Here to Email Us

Location

Family Auto Insurance Agency - Detroit, MI
Review Us
Website by InsuranceSplash