We have Carpenter ants.
http://en.wikipedia.org/wiki/Carpenter_ant
This is exactly what we found.
Plus Termites were found within 50' og the house in a wood pile for the fie pit.
Sorry guys, better safe then sorry I am getting the full monty and then the insurance against damage. Plus, next year its only $250 for 12 months. Piece of mind on a house we are not in for months at a time is priceless.