Houston’s warm climate and lush environment make it a great place to live, but it also makes your home a prime target for pests. From termites to rodents, pest infestations can cause significant damage to your property. As a homeowner, it’s important to understand how home insurance plays a role in protecting your home from these unwelcome guests.
Does Home Insurance Cover Pest Damage?
Unfortunately, most standard home insurance policies don’t cover damage caused by pests. Termite damage, for example, is considered preventable with regular maintenance and inspections, so it’s typically excluded from coverage. However, there are exceptions. If pests cause sudden and accidental damage, such as chewing through electrical wiring and causing a fire, your policy may cover the resulting damage.
Preventing Pest Damage in Houston
Living in Houston means dealing with pests like termites, ants, and rodents year-round. Here are some tips to protect your home:
- Schedule Regular Inspections: Hire a professional to check for signs of termites or other pests annually.
- Seal Entry Points: Close gaps around doors, windows, and pipes to prevent pests from entering your home.
- Maintain Your Yard: Trim trees and shrubs away from your home to reduce pest access.
Taking these steps can help you avoid costly damage and keep your home safe.
How House of Insurance Can Help
At House of Insurance, we understand the unique challenges Houston homeowners face. While pest damage may not be covered by standard policies, we can help you explore additional coverage options and ensure your home is protected from other risks. Our team is proud to serve the Houston community and provide personalized insurance solutions.
Get Started Today
Don’t let pests take a toll on your home. Contact House of Insurance today to learn more about your home insurance options. Visit our website to get started and protect your Houston home!
