Termite or any type of vermin damage is rarely covered under a standard home owners policy....so if it does happen its at your expense to fix it.
I fully agree with you that companies (not just Massey) do use scare tactics in trying to keep you on-board. $164 as an annual fee just for an inspection seems very expensive. After you have the treatment, is the annual fee/inspection required in order to keep their guarantee in place? If you don't have a treatment, I believe these companies will do a free inspection for termites....if that's the case just call them every year for the free inspection..
I have yet to personally see or hear from anyone who has had termite damage in The Villages.
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