I know that when I was in Tennessee, my termite protection excluded coverage for a type of flying termite called, I think, Formosan Termites. Some of the others mentioned here I have not heard of. I would be interested in learning how much of a problem these other termites are in Florida. $350/year just sounds a little steep for some "added" protection. I happen to use Massey ourselves and I have not received any notice from them (yet) about upgrading our termite protection. Maybe I ought to reread my current policy so I know exactly what I do have covered!
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