Florida is a great place to live. With a year round average temperature of 68 degrees, it offers a comfortable living environment. However, this mild climate makes it very accommodating for one of Florida’s most hated residents, the termite! 
According to the insurance industry, termites cause more damage each year in Florida than all other perils combined. It is imperative to have a protection plan for your home, as regular homeowners insurance does not cover termite damage. There are many qualified companies that do provide different types of protection plans. The following is a description of some of the plans that are available.
Treatment Bond: This is a contract or guarantee that provides only for a re-treatment of the home in the event of a termite infestation. This type of plan offers the lowest form of protection, as the main cost associated with a termite infestation is repair of the damage to the home, not simply a re-treatment.
Repair Bond: This is a contract or guarantee that not only provides for a re-treatment of the home, but repair of any damages caused. It is important to consider when determining the amount of coverage for repairs, that the total price of the home may not be sufficient. Repairs can be very costly and in many cases will exceed the purchase price of the home.
Both of the above types of programs include a combination of treatment and monitoring. Some plans require only an annual inspection, while others are monitored more often. There are two basic types of treatment options most commonly offered, chemical barriers and baiting systems.
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