Is termite damage to my home covered?

Owning a home is a rewarding experience. A place to call your own means you have the freedom to build a life for yourself and your family. Unfortunately, owning a home comes with great responsibility. Homeowners insurance is in place to help handle some of the brunt of responsibility, helping with damages caused by natural disaster, theft, and more. But what happens if you have termite damage in your home?  Is this something that would be covered by home insurance?

In most cases, the answer to this question is, "no." Termites are quite common and are found in every state in the United States except in Alaska. Once a termite infestation begins in your home, the insects have the potential to create absolute havoc on the structure of your house. Unfortunately though, often insurance companies view termite damage as something that could have been prevented with proper care and maintenance. Termites can be regularly checked for if you see evidence of termite damage and can be eradicated if caught in time. In some cases, termite remediation will be covered by homeowners insurance, but not the actual damages done by the termites.  

It can be confusing to understand the ins and outs of homeowners insurance. Having a professional team like Genesis Insurance in Phoenix, AZ on your side can help with difficult questions like this. Proudly serving the residents of Arizona and the nearby state of Texas, Genesis Insurance in Phoenix, AZ is here to help with any existing or new homeowners insurance policies. Arizona and Texas residents regularly turn to our website for assistance with quotes. Using our online rating tool, customers can quickly and easily find a homeowners insurance policy that will fit their needs. Visit our website today to check it out or feel free to give us a call. Our expert team is happy to help.