Do home warranties cover termites?

Check termite coverage to avoid costly surprises later

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termite infested floor board on a house deck

While some home warranty companies include termite coverage in their policies, it's important to arm yourself with knowledge to ensure your home is fully protected. Below, we’ve outlined some things to consider if you’re looking for coverage for termite issues.

Key insights

  • A few home warranty companies include termite prevention in their pest control coverage.
  • Most companies do not cover termite damage.
  • You may find that a “prevention and damage” contract with your local exterminator is a good alternative.

What termite services does a home warranty cover?

While it’s uncommon, a few home warranty companies cover termites. Termite control may be part of a pest control package as an add-on or upgrade. This means you’ll need to pay more for your policy if you want it.

Also, just because termite coverage is in your home warranty doesn’t mean the company will cover repairs due to termite damage. Usually, these plans only cover termite extermination.

Some other pests that may be covered in a home warranty pest control package include:

  • Roaches
  • Ground beetles
  • Ants
  • Millipedes and centipedes
  • Mice
  • Rats
  • Crickets
  • Earwigs
  • Silverfish
  • Pill bugs and sow bugs
  • Clover Mites
  • Scorpions
  • Spiders

Potential exclusions to termite home warranty coverage

Home warranties that cover termites can be helpful, but it's good to remember they're not all the same. Some may cover things that others won’t. Here’s a look at what you might encounter:

  • Termite control coverage usually only applies to the main house. Things like decks, fences and other outdoor structures might not be under the coverage umbrella.
  • There may be a limit on how much the home warranty company will shell out for termite control. These coverage caps are pretty standard in home warranty agreements.
  • Your claim may be denied if the infestation existed before you signed up for a plan.
  • Your plan may only cover certain kinds of termites.

What to do if your home warranty doesn’t cover termites

Notice a lack of termite coverage in your home warranty contract? It might be worth calling the company to see if you can include it in your policy. If they don't offer pest control and your contract is nearing its end, switching to a different provider could be a smart move, especially if termite management is your priority.

Alternatively, you could look into local extermination services. Many companies specialize in termite control and offer contracts that focus on termite prevention and pest damage. This could provide an added layer of protection and peace of mind for your home.

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What does a home warranty typically cover?

Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

Is a home warranty for termites worth it?

Dealing with termites can be a pricey affair, with some services costing thousands of dollars.

On the flip side, home warranty plans, which usually run between $450 and $1,400, cover a lot more than just pest control. They extend to repairing and replacing numerous appliances and systems throughout your home. Opting for a home warranty plan could lead to significant savings, making it a smart financial move for many homeowners.

Does home insurance cover termites?

Most home insurance policies do not cover termite damage.

Bottom line

Opting for pest control coverage as part of your home warranty package can be a real money-saver, helping you avoid costly repairs down the line by nipping potential termite issues in the bud. It's worth noting that pest control (including termite control) isn't typically a standard feature in home warranty plans, but some providers include it.

Before you commit to a plan, it's a good idea to check if pest control coverage is available and get the details on what exactly is covered. This ensures you're fully informed and can make a choice that best protects your home and wallet.

Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
  1. First American Home Warranty, “Protect Your Home from Termites - Is Home Warranty Coverage the Answer?” Accessed Feb. 6, 2024.
  2. Landmark Home Warranty, “Five of the Scariest Things Covered by a Home Warranty.” Accessed Feb. 6, 2024.
  3. Liberty Home Guard, “Pest Control Home Warranty Coverage.” Accessed Feb. 6, 2024.
  4. The Home Service Club, “Pest Control Warranty.” Accessed Feb. 6, 2024.
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