Termites can be very destructive. The damage they cause can be extensive if they are not stopped in time. Most basic homeowners insurance policies do not cover termite damage for several reasons. One of the most important factors that insurance providers consider is whether the damage was preventable. However, there may be times when you are not aware of damages that already exist in your new home. Even the most reputable inspectors may miss small signs of an infestation. This will not go against you if the damage is discovered after you purchase your home.