Does Home Insurance Cover Termite Damage in Louisiana?

termites nest on wooden door jamb

In Louisiana, battling termites feels like a full-time gig, thanks to the damp weather that termites just love. This might leave you wondering, “Will my home insurance help with termite damage?”

Usually, the answer is no. Sadly, if termites crash your place, you’re likely footing the bill to fix their munching mess.

Curious about any exceptions? Hang tight as we dig into the nitty-gritty of what your Louisiana home insurance might actually cover.

Key Takeaways

  • In Louisiana, termite damage is usually excluded from home insurance policies because it is considered preventable through regular home maintenance.
  • You can choose from various termite insurance options, including basic and full-damage termite bonds or a stand-alone termite policy.
  • To qualify for termite coverage, you must meet certain conditions, such as having an annual termite inspection and showing timely reporting of termite signs.
  • Proactive measures, such as regular inspections by pest control experts, are essential to prevent termite damage and infestations.


When it comes to standard homeowners insurance policies in Louisiana, not all incidents are covered. As a result, you should be aware of typical exclusions to avoid surprises during claims.

What Are Common Exclusions in Home Insurance

Home insurance policies are designed with specific coverage boundaries. These boundaries exclude scenarios considered too risky or predictable, so they are not typically covered.

For example, standard policies commonly exclude:

Type of DamageDescription
Flood DamageDamage from flooding is typically only covered if an additional flood insurance policy is purchased.
Earthquake DamageEarthquake-related damages require a separate policy or endorsement.

Does Homeowners Insurance Cover Termite Damage?

Insurance companies often see pest damage as preventable damage under home maintenance. Since you can prevent infestations through routine inspections and treatments, they tend not to cover damages that result from neglect over time.

Here are some additional reasons why pest damage is often excluded from home insurance:

  • Property damage is typically gradual and not sudden or accidental.
  • Coverage of such damage would increase the overall cost of home insurance premiums.
  • It takes time for insurers to assess and price the infestation risk accurately.


When looking into termite coverage in Louisiana, it’s essential to grasp the diversity of insurance types and the qualifying criteria to obtain said coverage.

Types of Termite Insurance Coverage

In Louisiana, you might come across various termite insurance options that offer protection against these pests.

Termite species, like subterranean termites or drywood termites, may cause ​​a covered peril in some policies. Other coverage types include:

Coverage TypeFeaturesLimitations
Basic Termite BondCovers the cost of treatment and repairsMay not cover all types of termites; often excludes drywood termites
Full Damage Termite BondExtends to the cost of treatment and full repair of damageHigher premiums; may require proof of no existing infestation
Stand-Alone Termite PolicySpecially tailored to termites; can be purchased separatelyOften more expensive; varies significantly between providers

Eligibility Requirements for Coverage

Eligibility Requirements for Coverage

As homeowners, you must satisfy certain conditions to qualify for termite coverage. For termite insurance, warranties might include:

  1. Annual Inspection: There should be a record of an annual termite inspection to monitor for termite infestation.
  2. Evidence of Damage: Some insurance companies demand documented evidence of termite damage before initiation.
  3. Timely Reporting: Reporting signs of termite problems as soon as they’re noticed can be crucial.
  4. Preventive Measures: Proactive steps, such as moisture control, may be required to prevent water damage.


Several insurance options are available if you want to protect your property against termite damage. 

These insurance agencies offer unique coverage plans to safeguard your home from these destructive pests.

Listing Local Insurance Providers

Before you speak with an insurance agent to get an insurance quote, here’s a closer look at various local companies and their termite damage coverage:

Insurance ProviderTermite Coverage Options
Louisiana Farm Bureau InsuranceOffers optional endorsements for termite damage.
State Farm LouisianaMay offer limited coverage under specific home insurance policies with added riders.
Amica Mutual InsuranceProvides termite damage coverage as an added feature in some policies.
Allstate InsuranceOffers termite coverage with a special “pest control” service plan.
Liberty Mutual InsuranceMay cover damages if policyholders purchase additional endorsements.


Preventing termite damage starts with preventative measures and routine maintenance.

As homeowners in Louisiana, implementing specific strategies can significantly mitigate the risk of infestation and avoid the hassles of dealing with the aftermath.

Preventative Measures

Here’s how you can employ easy-to-implement pest control to avoid termite issues in the first place:

  • Create a crushed rock barrier at least 12-18 inches between the foundation and any soil or mulch.
  • Eliminate areas of standing water near your home and fix leaky pipes and fixtures.
  • Repair leaky air conditioning units causing water to pool around your home’s foundation.
  • Do not put off cleaning gutters.
  • Do not overplant shrubbery and other landscaping near your home’s foundation.
  • Use exhaust fans in kitchens and bathrooms to limit excess moisture in your home.
  • Repair any damage to your home’s foundation, exterior walls, or roof that could allow termites inside.
  • Inspect antique furniture or other wooden items for signs of drywood termites before bringing them into your home.
  • Outside your home, eliminate damp or rotting wood that could attract termites. Leaf piles, wood mulch, fallen trees, and tree stumps may serve as food sources.

Signs of Termite Damage and Infestation

Early detection during a termite season can prevent extensive damage and costly treatment plans.

Before you call in the professional exterminators, here’s what you must be on the look-out for these cellulose-eating insects:

Sign of InfestationDescription
Drywood Termite PelletsFound on window sills, indicative of drywood termite presence.
Wood DamageVisible damage caused by drywood termites.
Termite DroppingsHard and dry and can be mistaken for sawdust or dirt.
Tiny Kick-Out HolesCreated by drywood termites in hardwood.
Mud TubesVisible on any interior wall, a sign of subterranean termites.
Clicking Sound Inside WoodIndicates active termite presence.
Appearance of Winged TermitesWing termites suggest an active or new termite infestation inside your home.
Termite Wings FoundLocated on door frames, baseboards, or countertops.
Damage Resembling Water DamageOften mistaken for moisture issues but can be due to termites.
Honeycomb Indents in BaseboardsA less common but significant sign of termite damage.
Splintering Wood BeamsIndicates structural damage from termite activity.


When you suspect termites are turning your home into an all-you-can-eat buffet that your home insurance does not cover, swiftly considering a pest control company intervention is crucial.

Whether you’re in New Orleans or Baton Rouge, seeking expert help should be easy. For immediate intervention for a severe infestation, let Lajaunie’s termite control specialists tailor a solution that’s right for your home.

For more information about the areas we service, visit our location page.