Does Erie Homeowners Insurance Cover Termite Damage? 
Homeowners Insurance in all States is designed to protect homes from covered perils which occur on a ` sudden and accidental basis ' . Termite damage does n't occur instantaneously ; it is something that deteriorates over time ; homes which are well maintained , inspected and treated against termites are highly unlikely to become infected or damaged . The same is true regarding dry rot , wet rot and slow and unrepaired water leaks . It is imperative for homes to be well maintained as homeowners insurance is not designed to provide monetary reimbursement for the ongoing upkeep and maintenance of homes ; if this were the case , premium would be much greater than what we pay today . Sudden and Accidental is true regarding any covered incident by the homeowners insurance policy ; covered perils will include for example items such as Fire , Wind , Hail , Water Damage , Burglary etc. . . Each of these items would occur suddenly and accidentally . There is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK It would be a good idea to obtain a copy of your State 's Homeowners Insurance Form and ask a licensed insurance representative to review the policy form for you and highlight the paragraphs most pertinent to the specific situation . Homeowners insurance coverage forms are not often updated and it may only be necessary to review the main points once to understand the purpose of the policy and coverage afforded . 