Home insurance typically does not cover damage caused by spring pests like termites or rodents because such damage is considered preventable through regular maintenance. Insurers generally classify pest infestations as a home maintenance issue rather than a sudden or accidental event, which is the usual criterion for coverage. Therefore, if termites destroy wooden structures or rodents chew through wiring, the cost of repairs usually falls on the homeowner. Exceptions are rare and might only apply if the pest damage results in a covered peril, like a fire caused by rodent-chewed wires.