Auto-Owners Insurance Mold Coverage
Maybe
United StatesRead Nov 12 2026
Auto-Owners Insurance
- Excluded
- Water damage that built up over a long time may be excluded, so report new water damage quicklySource, insurer page
- Mold cap
- None printed on our sources
Auto Owners says water damage that built up over time may be excluded, and backups need a separate endorsement. Claims go through your local agent, with an after hours line.
Insurer website auto-owners.com
What Is Excluded
Water damage that built up over a long time may be excluded, so report new water damage quickly.
Water damage that has accumulated over time may be excluded.
Add On Mold Cover
Sump pump, floor drain and other backups may not be covered unless you buy an endorsement for them. Auto Owners sells Water Backup of Sewers or Drains coverage as an add on.
Water Backup of Sewers or Drains
How To Make A Claim
Report a claim to your local independent Auto Owners agent. After hours, call 1 888 252 4626.
If it is after hours, call 1-888-252-4626.
Before You Call Auto-Owners Insurance
- Stop the water and take dated photos before anything is moved.
- Find the mold or fungi wording and any mold limit on your own policy and declarations page.
- Report the claim quickly, since late notice is a common reason claims are denied.
- Keep receipts for drying and repairs you have to do to stop more damage.
Rules That Apply In United States
Further Reading
- Does homeowners insurance cover water damage, for the sudden versus gradual line most mold claims turn on.
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.