United States
State Farm
Water that bursts suddenly from a pipe inside the home is typically covered.
United States Home Insurers And Mold
We read the mold wording of 21 US home insurers from their own pages, policy wordings and filed forms. Open one to see each line with its source.
Of these, 9 print a dollar cap on mold, from $2,500 to $27,500.
United States
Allstate
Mold cleanup money also covers mold testing and extra living costs if the home cannot be lived in.
United States
USAA
USAA may give limited help with mold when a covered water loss caused it.
United States
Liberty Mutual
Mold and rot may be covered only when a sudden, accidental covered peril caused them, like a burst pipe or appliance leak.
United States
Farmers
Mold may be covered when a sudden event like a burst pipe caused it, but not when ongoing moisture or poor upkeep caused it.
United States
Travelers
If a fire is put out by sprinklers or firefighters, the water damage and mold are covered.
United States
Nationwide
Mold caused by a covered event, usually water damage, should be covered.
United States
American Family
Limited mold coverage may apply when a covered loss caused it, like water used to put out a fire.
United States
Progressive Home
Mold may be covered when something sudden or accidental, such as a burst pipe, causes it.
United States
Homesite Insurance
Hidden mold inside walls, ceilings or floors is covered when it comes from an accidental leak or overflow from plumbing, heating...
United States
Chubb
Masterpiece pays for mold testing, a remediation plan, cleanup and repairs when a covered water damage loss caused the mold.
United States
Erie Insurance
Erie says mold is usually not covered by standard home policies, and damage from neglect is usually not covered either.
United States
Auto-Owners Insurance
Water damage that built up over a long time may be excluded, so report new water damage quickly.
United States
Lemonade
Mold is covered only when a covered peril like a burst pipe causes it and the mold is hidden in walls, ceilings or under floors.
United States
Hippo
Mold damage must be sudden and accidental to be covered, and Hippo reviews it case by case.
United States
Kin Insurance
Kin says you can generally claim mold that is a direct result of a covered peril, such as a burst pipe or appliance overflow.
United States
Openly
Mold may be covered when a sudden covered event, like a burst pipe or a broken water heater, causes it.
United States
Citizens Property Insurance Corporation
Citizens pays up to $10,000 for fungi, wet or dry rot, or bacteria under the property part of the HO 3 policy. The worksheet...
United States
California FAIR Plan
Flood, sewer or drain backup, and water that seeps through a foundation or wall are excluded.
United States
Texas FAIR Plan Association
If a covered peril damages property that has mold in it, that damage is covered, but not the extra cost to test, clean up or...
United States
Louisiana Citizens Property Insurance Corporation
The HO 3 form pays up to $10,000 for fungi, wet or dry rot, or bacteria property damage, and the limit cannot be raised.
Regulators And Rules
- Texas Department of Insurance
- Texas Department of Licensing and Regulation
- California Department of Insurance
- Florida Department of Financial Services
- Washington Office of the Insurance Commissioner
- Illinois Department of Insurance
- New Jersey Department of Banking and Insurance
- New York Department of Financial Services
- North Carolina Department of Insurance
- Nevada Division of Insurance
- ISO standard homeowners forms (copies hosted by the Nevada Division of Insurance)
- FEMA National Flood Insurance Program
- US Environmental Protection Agency