The idea of drilling holes all over the house scares me, and it is
really a crap shoot, IMO. Foundation barrier treatment during
construction can be iffy, too, since many contractors skimp on chemicals
or disturb the barrier after treatment.

Tenting is not done, as far as I know, for subterranean termites.
Insurance here is Florida that I have experience with is for future
damage after an infestation has been treated.

Best source for info is state extension service, which can give you
information on dominant termite species for your locale and information
on most effective controls. Read up on prevention and inspection - it
isn't rocket science. You can't sterilize the soil under and around
your home, and there is always natural cellulose debris that termites
eat. I personally prefer a private pest control contractor with good
refs and long experience, and don't like subbing it out, but that might
be hard to find.

Our 35 y/o condo building has been tented twice, and neighbors on both
sides, in much newer buildings, have been tented within past 5 years.
Can't get away from them ) I find them in lots of places, including a
wood partition that is exterior and not attached to wood; also palm
trees, dead branches of shrubs, etc. The wood partition had
subterranean termites coming in because it was damaged by sprinkler
hitting it. Repaired sprinkler, scraped away the mud tubes and they
didn't come back. When you inspect your home, be sure to inspect inside
of crawl spaces and plumbing access panels. Plumbing entries are the
favorite.