Does Homeowners Insurance Cover Mold? 

Homeowners insurance is essential for financially protecting your property and personal belongings from unexpected events, including damage caused by mold.

Mold can develop quickly in damp environments, leading to costly repairs and health issues.

Having homeowners insurance may help you manage expenses associated with repairs, replacements and mold remediation.

Does Homeowners Insurance Cover Mold?

Mold is a common concern for homeowners, but its coverage under insurance is tricky. Generally, this type of insurance may cover mold damage if it is caused by a covered peril, such as water damage from a burst pipe.

However, if the mold growth is due to long-term neglect, high humidity or a lack of proper maintenance, it is typically not covered. Mold prevention is key, as many policies exclude damage resulting from gradual issues that could have been avoided.

How To Prevent Mold in Your Home

Preventing mold is all about managing moisture. Consider the following steps to help keep your home mold-free:

• Fix leaks promptly to prevent mold from developing.

• Use dehumidifiers or air conditioners in kitchens, laundry rooms and other damp areas.

• Thoroughly clean and dry areas affected by water damage.

• Keep fresh air circulating throughout your home.

• Regularly service and maintain appliances that use water.

• Check areas prone to moisture, such as attics, basements and under sinks, for early signs of mold.

If you live in an area susceptible to mildew or high humidity, consider insurance policies that may cover mold remediation expenses or find insurers that offer mold insurance riders. A Miller Insurance agent can help guide you through this process.

Choose Coverage You Can Trust

Miller Insurance Agency offers expert guidance on homeowners insurance. Contact us today for a personalized homeowners insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.