Erie Insurance Mold Coverage
Covered
United StatesRead Nov 12 2026
Erie Insurance
- Excluded
- Erie says mold is usually not covered by standard home policies, and damage from neglect is usually not covered eitherSource, insurer page
- Mold cap
- $10,000Source, insurer page
Erie says ErieSecure Home policies in most states pay up to $10,000 for fungi, wet or dry rot or bacteria when a covered loss caused it. Mold from neglect is usually not covered.
Insurer website erieinsurance.com
What Is Excluded
Erie says mold is usually not covered by standard home policies, and damage from neglect is usually not covered either.
Things like floods, mold, pest infestations and earthquakes are usually not covered under most standard homeowners policies.
Dollar Caps On Mold
In most states ErieSecure Home pays up to $10,000 for fungi, wet or dry rot or bacteria that results from a covered loss. Terms vary by state.
up to $10,000 when resulting from a covered loss. Coverage, terms, and limits vary by state.
Would A $10,000 Cap Cover A Typical Job
A typical professional mold job tops out at or under $10,000 in 132 of 132 US metros we track, once the national range is scaled to local prices. Attic, crawlspace and whole home jobs cost more. See costs by area.
Before You Call Erie 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
- Choosing a restoration company, for what to ask a crew before you sign.
- Does homeowners insurance cover water damage, for the sudden versus gradual line most mold claims turn on.