Standard home insurance policies typically exclude pest-related issues such as termite infestations, rodent damage, and the gradual deterioration caused by insects or animals. These exclusions exist because pest damage is generally considered preventable through ongoing maintenance and proper home care. Insurers view these problems as resulting from homeowner negligence rather than a sudden, accidental loss. Coverage also does not usually extend to mold, rot, or structural damage caused by pests, unless the resulting damage directly leads to a separate, covered peril like fire or collapse.