In Australia, standard home insurance policies typically do not cover termite damage. Termite infestations and the resulting damage are generally considered preventable and, therefore, excluded from most insurance policies. It is important to review the terms and conditions of your specific insurance policy or consult with your insurance provider to understand the coverage they offer regarding termite damage.

While I can provide examples of insurance companies in Melbourne, it’s important to note that specific policy details and coverage can vary. Here are a few insurance companies in Melbourne that offer home insurance:

RACV Insurance: RACV offers home insurance coverage that includes protection against events like fire, storm damage, and theft. However, termite damage is typically excluded from their standard policies.

AAMI Insurance: AAMI provides home insurance policies that cover events such as fire, storm damage, and theft. Similar to other insurers, termite damage is generally not covered under their standard policies.

Allianz Insurance: Allianz offers home and contents insurance that protects against specific risks like fire, storm, and theft. However, termite damage is typically excluded from their standard coverage.

It’s important to carefully review the Product Disclosure Statement (PDS) and policy documents of any insurance company you are considering to understand the specific terms, exclusions, and optional coverage they provide. Additionally, you may want to consider specialized insurance policies or endorsements that offer additional protection against specific risks, such as termite damage. Consulting with insurance professionals or brokers can also provide more specific information regarding available coverage options in Melbourne.