Termite Bond Cost Calculator

Analyze termite bond (warranty) cost vs. self-insuring risk — compare annual bond fees against expected damage costs and break-even timeline.

Inputs

Home size (ft²)

Home value ($K)

Annual bond renewal ($)

Initial treatment cost ($)

Analysis period (years)

Bond type (0=Retreatment, 1=Retreatment+Repair)

Tab to move between fields

Results

Total bond cost over period ($)

$3,700.00

≈ 4 smartphones

Bond value / savings ($)

-$790.00

Infestation probability (%)14.03

Expected damage cost ($)$750.00

Self-insure total cost ($)$2,910.00

Break-even (years)99

Bond as % of home value0.08

Repair coverage value ($)$750.00

How to Use This Calculator

Enter the structure square footage and construction type (slab, crawl, basement).
Set the warranty type: retreatment-only or damage repair and retreatment.
Input the initial treatment cost and the annual renewal premium.
Review the Annual Cost, 5-Year Cost, and the Coverage Limit for repair claims.
Compare bond cost against the average termite repair claim amount to evaluate value.

How the result changes with Annual bond renewal ($)

Annual bond renewal ($)	Total bond cost over period ($)	Bond value / savings ($)
245	$3,650.00	-$740.00
733	$8,530.00	-$5,620.00
1,318	$14,380.00	-$11,470.00
1,805	$19,250.00	-$16,340.00

What each input means

Home size (ft²): Heated square footage of the home.
Home value ($K): Home market value in thousands of dollars.
Annual bond renewal ($): Yearly cost to maintain the termite bond/warranty.
Initial treatment cost ($): One-time treatment required to start the bond.
Analysis period (years): Number of years to compare bond cost vs. risk.
Bond type (0=Retreatment, 1=Retreatment+Repair): 0 = Covers retreatment only. 1 = Covers retreatment and structural repair.

What each result means

Total bond cost over period ($): Initial treatment + annual bond fees over the analysis period.
Infestation probability (%): Probability of at least one termite infestation during the analysis period.
Expected damage cost ($): Statistical expected cost of termite damage without protection.
Self-insure total cost ($): Expected total cost of treatment + damage without a bond.
Bond value / savings ($): Positive = bond saves money vs. self-insuring. Negative = bond costs more.
Break-even (years): Years until bond cost is justified by expected savings.
Bond as % of home value: Annual bond cost as a percentage of home value.
Repair coverage value ($): Value of repair coverage (retreatment+repair bonds only).

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Home size (ft²) = 2000, Home value ($K) = 300, Annual bond renewal ($) = 250, Initial treatment cost ($) = 1200 = 6 input(s) provided
Calculate Total bond cost over period
Total bond cost over period = initialTreatmentCost + (annualBondCost * yearsToAnalyze)
3700 = $3,700
Calculate Bond value / savings
Bond value / savings = selfInsureCost - totalBondCost
-790 = $-790
Calculate Infestation probability
Infestation probability = 1 - probNoInfestation
14.03 = 14.03
Calculate Expected damage cost
Expected damage cost = expectedInfestations * avgDamageCost
750 = $750

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