While standard home insurance does not cover pest damage, some insurers offer additional coverages or endorsements that may provide limited protection. These endorsements are optional add-ons and may include specific protection against termite treatment, rodent cleanup, or repair of pest-related structural damage. Alternatively, separate service contracts or home warranty plans can offer pest-related coverage. Availability and terms vary by insurer and state, so it’s crucial to speak with your insurance agent to understand what supplemental options exist and whether they are cost-effective compared to routine pest management services.