Liberty Mutual Mold Coverage
Maybe
United StatesRead Nov 12 2026
Liberty Mutual
- Covered
- Mold and rot may be covered only when a sudden, accidental covered peril caused them, like a burst pipe or appliance leakSource, insurer page
- Excluded
- Mold from neglect or poor upkeep is typically not coveredSource, insurer page
- Mold cap
- None printed on our sources
Liberty Mutual says home insurance may cover mold and rot only when a sudden, accidental covered peril caused it, and that mold from neglect is typically not covered. Each mold claim is judged case by case.
Insurer website libertymutual.com
What Is Covered
Mold and rot may be covered only when a sudden, accidental covered peril caused them, like a burst pipe or appliance leak.
but only if the damage resulted from a sudden, accidental covered peril listed in your policy
What Is Excluded
Mold from neglect or poor upkeep is typically not covered.
Mold caused by neglect or lack of home maintenance is typically not covered.
Ongoing leaks and mold or rot from moisture left unfixed are generally not covered.
mold or rot from lack of addressing moisture issues
Conditions You Have To Meet
Liberty Mutual looks at each mold claim on its own.
each claim is examined on a case-by-case basis
How To Make A Claim
File a home claim online or call 800-2CLAIMS.
Or call: 800-2CLAIMS
Before You Call Liberty Mutual
- 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.